BBVA Pre-approved Online Loan
If you are already a customer, finance your projects instantly
Are you interested?
Getting your loan is very simple
- Go into your private area to see if you've been pre-approved for a loan.
- Choose an amount and a term that does not exceed that of your pre-approved loan.
- Sign it digitally and the money will be deposited into your account instantly.
The loan will be subject to approval by BBVA.You have 14 calendar days from the date you sign to withdraw from the loan contract without incurring a cancellation fee; we would refund the commitment fee to you, and you would only have to pay for the interest accrued during those days.
Is your project sustainable?
Get a 1% discount
If the purpose of your loan involves purchasing an electric or hybrid vehicle, home renovations or the purchase of energy-saving devices, you will get a 1% discount on the interest rate of your pre-approved loan.
You will need to provide a budget or pro-forma invoice to confirm that the loan will be used for a purchase or upgrade intended to improve energy efficiency, as reflected in the following list:
- Electric and hybrid vehicles with emissions of less than or equal to 75 gr-CO2/km.
- Electric bicycles and scooters (with and without a motor).
- Purchase of appliances rated A+, A+ or A+++ (formerly rated from A+++ to D) and A, B or C (new rating from A to G).
- Lighting with LED technology.
- Installation of heating and hot water systems, with condensation or biomass boilers and heat pump, rated A+, A++ or A+++ (formerly rated from A+++ to D) and A, B or C (new rating from A to G).
- Automatic on/off timers.
- Presence detection to turn on lighting.
- Wall insulation and window replacement.
- Installation of charging points for electric vehicles.
- Solar panels for self-supply.
Would you like to pay a smaller fee?
Reduce the interest rate by 1% by direct depositing your paycheck
As a BBVA customer, you will have your own NIR and APR for your Pre-approved Online Loan. But if you decide to direct deposit for the life of the loan a paycheck of at least €600, or a pension of at least €300, or an unemployment benefit, the initial interest rate on your loan will be reduced by 1%.
This reduction will be applied at least during the first 3 loan payments. From that moment on, the requirements will be reviewed to verify that the reduction still applies. This same review will be repeated every 6 months throughout the life of the loan.
Do you also want peace of mind?
You are eligible for payment protection insurance
Having the peace of mind of knowing that your loan will never become a burden is something you are probably interested in. That's why we offer Payment Protection Insurance that you can purchase together with your Pre-approved Online Loan.
With this insurance, if any of the circumstances specified in the contract occur, the insurance company will cover the outstanding amount.
The price of the insurance will be calculated by adding 1 percentage point to the interest rate of the loan. You can find out the exact amount during the purchase process.
Would you like more information?
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