Express Online Loan

Take advantage of the drops in prices and push forward with your plans

Make your project or your dreams come true with a Fast Online Loan from €3,000 up to €20,000, without having to provide documents.

  • FROM $${tinBon}% NIR, $${taeBon}% APR if you direct deposit a paycheck or pension.
  • UP TO $${tinNoBon}% NIR, $${taeNoBon}% APR without it.

100% online and no commitment fee!

Your loan in 8 working hours with no paperwork

Applying for the Fast Online Loan without documents is quick and simple. We will connect with your bank using your own login credentials to view your financial information and assess the application. Your data is always protected.

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:

  • In a few minutes, if you have decided to direct deposit your loan into a Fee-Free Online Account that would be opened for you at signing:
  • In about 72 hours from the signing, if you prefer to have it paid into an account in another bank.

What do you need to request it without documentation?

Just apply for your loan before 09/30/2025 and meet these requirements:

  • Choose between €3,000 and €20,000 with a repayment period between 24 and 96 instalments.
  • Make the online application and for a holder.
  • Have a valid DNI.
  • Have your salary or pension paid into your bank account with an amount over €450 per month.

We cannot connect with your bank to access your paycheck or pension, we will ask you for documentation during the process.

More information

The loan will be subject to approval by BBVA.

What if you 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. You will only have to pay for the interest accrued during those days.

Apply for your loan now and get a 1% interest rate discount

If you decide to direct deposit your paycheck or pension into BBVA, you will get 1% off the interest rate on your Fast Online Loan:

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

With paycheck or pension not direct deposited
Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)

With paycheck or pension direct deposited
fixed NIR $${tinBon} % (APR$${taeBon} %)
With paycheck or pension not direct deposited Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)
Loan amount
€10,000
With paycheck or pension direct deposited fixed NIR $${tinBon} % (APR$${taeBon} %)
Loan amount
€10,000
With paycheck or pension not direct deposited Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)
Term
96 monthly payments
With paycheck or pension direct deposited fixed NIR $${tinBon} % (APR$${taeBon} %)
Term
96 monthly payments
With paycheck or pension not direct deposited Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)
Monthly payment
€ $${monthValueNoBon}
With paycheck or pension direct deposited fixed NIR $${tinBon} % (APR$${taeBon} %)
Monthly payment
€ $${monthValueBon}
With paycheck or pension not direct deposited Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)
Commitment fee
$${openingFeePercentage} %
 With paycheck or pension direct deposited fixed NIR $${tinBon} % (APR$${taeBon} %)
Commitment fee
$${openingFeePercentage} %
With paycheck or pension not direct deposited Fixed $${tinNoBon}% NIR ($${taeNoBon}% APR)
Total amount owed
€ $${totalValueNoBon}
With paycheck or pension direct deposited fixed NIR $${tinBon} % (APR$${taeBon} %)
Total amount owed
€ $${totalValueBon}
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.

If you belong to a professional group, your projects are closer to being fulfilled

  • Enter the name of your company or mutual society in the calculator.
  • And benefit from special conditions on your loan to carry out your plans.

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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