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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.

    If you want it, applying is this simple

    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).
    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.
    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.
    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.

    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.

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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.