Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
Download the BBVA app
Download the BBVA app
You can do it all on your mobile, or try some features if you are not a customer.
Download
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      Fast Online Loans Without Documents for non-customers

      Turn your projects into reality with the quick loan without changing banks!

      From 5.50% fixed NIR (5.81% APR) with a paycheck or pension direct deposited at BBVA.

       

      Up to 6.50% fixed NIR (6.86% APR) without a paycheck or pension direct deposited.

      • No commitment fee.
      • No need to open an account or direct deposit your paycheck.
      • From €3,000 to €20,000 and one borrower.
      • 8-year term.
      Request it

      If you want it, applying is this simple

      • 1 Calculate your repayments
      • 2 Fill out your personal details
      • 3 Download the BBVA app
      • 4 Enjoy your loan

      Calculate your repayments

      Select the amount you need in our simulator (from €3,000 to €20,000), the payment that best suits your needs and the period over which you wish to repay the loan (from 24 to 96 installments).

      Fill out your personal details

      We will connect online with the bank where you have your paycheck or pension direct deposited using your own login password. During this connection, we will check your financial information for the sole purpose of evaluating your loan application. Your details are protected at all times.

      Download the BBVA app

      You can check the status of your application at any time in the app. We will let you know in approximately 8 working hours, in the app and by email, if your loan is approved.

      Enjoy your loan

      If the loan is approved, you'll just need to sign the contract from the BBVA app to get your money.
      Calculate your repayments

      Get Fast Online Loans without paperwork and without having to change banks

      Even if you do not have a BBVA account, you just need to have a paycheck or pension direct deposited at another bank in order to request from €3,000 to €20,000. During the application process, we will check your financial details by connecting with your usual bank securely and anonymously.

      And you'll have the money in 8 working hours

      This way you can have the money in approximately 8 business hours in the account of your choice.

      And remember, you have 14 days to change your mind

      You have the right to withdraw from the loan contract without incurring a cancellation fee for a period of 14 calendar days from the date you sign. We will refund the commitment fee to you, and you will only have to pay for the interest generated during those days.

      Do you want to improve your loan's interest rate by 1%?

      If you decide to direct deposit your paycheck or pension into BBVA, you will get 1% off the interest rate on your Fast Loan Without Documents.

      Example of a loan with direct deposit of your paycheck or pension

      Without a paycheck or pension direct deposited
      6.50% fixed NIR (6.86% APR)
      With a paycheck or pension direct deposited
      5.50% fixed NIR (5.81% APR)
      Without a paycheck or pension direct deposited 6.50% fixed NIR (6.86% APR)
      Loan amount
      €10,000
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.81% APR)
      Loan amount
      €10,000
      Without a paycheck or pension direct deposited 6.50% fixed NIR (6.86% APR)
      Term
      96 monthly payments
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.81% APR)
      Term
      96 monthly payments
      Without a paycheck or pension direct deposited 6.50% fixed NIR (6.86% APR)
      Monthly payment
      €133.86
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.81% APR)
      Monthly payment
      €128.99
      Without a paycheck or pension direct deposited 6.50% fixed NIR (6.86% APR)
      Commitment fee
      0%
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.81% APR)
      Commitment fee
      0%
      Without a paycheck or pension direct deposited 6.50% fixed NIR (6.86% APR)
      Total amount owed
      €12,925.70
      With a paycheck or pension direct deposited 5.50% fixed NIR (5.81% APR)
      Total amount owed
      €12,458.31

      When calculating the APR, €0.78 per month was applied for the monthly mailing of informational loan statements. This expense will only apply to customers who request the statement by postal mail. Does not apply to customers who receive their statement via digital channels.

      Calculations based on loan being signed on the last day of the month.

      Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period does not exceed 12 months, and 1% otherwise.

      Do you belong to a professional collective? Enjoy special conditions

      • Enter the name of your company or mutual society in the calculator.
      • Enjoy special terms for belonging to your professional collective.

      For new customers! Find out your limit

      Discover the new digital loan experience, which will let you know how much we can loan you at BBVA.
      Find out

      Would you like more information?

      The Fast Paperless Online Loan has no commitment fee.

      If you decide to cancel all or part of your loan before the end of the term indicated in the application, you will have to pay a cancellation fee of 0.50% of the unpaid principal if fewer than 12 months remain to pay off the loan, or 1% if more than 12 months remain.

      No. The Fast Loan Without Documents is intended for people who do not currently have an account with BBVA.

      Once you sign, we'll deposit your money within 72 hours into the checking account you specify.

      If, however, you need the money urgently, you will receive it instantly if you decide to open a Fee-Free Online Account at BBVA.

      If you choose the option to not send documentation, we will securely and anonymously connect with your other bank. To do this, you will enter your own login password, which will only be used to make this connection and determine if your loan is feasible. Once your loan is approved (or in 30 days if it is not), the details will be deleted.

      We will inform you promptly via email or, if you prefer, you will be able to check the status of your application by going into your private area (whether in the BBVA app or at bbva.es) with the username and password you chose during the application process.

      You will open a fee-free online account with an Ahora debit card, also with no fee.

      Cash loans range from a minimum of €3,000 to a maximum of €20,000. If you need a smaller amount, you can apply for one of our credit cards.

      The installments of the loans and quick loans will be charged to the bank of your choice on the last day of each month.

      The BBVA Fast Loan Without Documents can only have 1 borrower.

      If this happens, you will be charged late payment interest. In addition, failure to make payments can lead to serious financial consequences (e.g., forced sale of assets) and difficulty obtaining other quick loans.

      NIR (Nominal Interest rate) is what you pay to a bank in exchange for receiving a loan. NIR is usually less than APR and can't be used to compare the cost of different loans, since it only considers the interest rate and not all the costs of the transaction.

      APR (Annual Percentage Rate) indicates the cost of a financial product such as a loan, including interest and the various associated expenses and fees. This figure lets you compare different loans since the lower the APR, the cheaper the loan.

      • Depending on the amount you request, and using prudential and responsible loan criteria, we may request the involvement of a public notary.
      • Before signing the contract, we will send you the pre-contractual loan information (European Standardized Information Sheet, ESIS). 
      • If your loan is approved, after signing it you will have 14 calendar days to cancel the contract at no additional cost.
      • The granting of a BBVA Fast Paperless Loan is subject to approval by BBVA.

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        Find out your financing limit

        See how much financing you can afford to make your projects a reality.
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      Be a BBVA customer.

      • At BBVA we want to help you with your day-to-day errands.
      • We are working to make your life a little easier with our digital solutions.
      • Our approach is based on transparency, clarity and responsibility.
      Applying for a loan does not imply its approval by BBVA, nor does it mean it will be granted. BBVA may deny the loan once the circumstances specific to each case have been studied.
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