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      ADVERTISING
      MM/DD/YYYY

      Online Fast Loan Without Documents

      Get your money in 8 business hours

      Apply for your Fast loan with a fixed interest rate 7.20% NIR* (7.59% APR).

      Up to €20,000 and a term of up to 8 years.

      • Without having to open an account with BBVA.
      • Without sending documentation.
      • No commitment fee (until 03/31/2021).
      Calculate your repayments
      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
      *7.20% NIR and 7.59% APR if you direct deposit your paycheck. 8.20% NIR and 8.66% APR without direct depositing your paycheck.

      How does it work?

      • Get a loan quickly without having to change banks

        Even if you do not have a BBVA account, with the Fast Online Loan Without Documents, you just need to have a paycheck or pension in order to request from €3,000 to €20,000, to be repaid between a minimum of 24 installments (2 years) and a maximum of 96 installments (8 years).

        And, if you prefer, you won't have to send any financial documentation to apply for this fast online credit, because we'll check your financial details by connecting with your usual bank securely and anonymously using your own login password. This way you can have your money in approximately 8 business hours in the account of your choice.

        But if you prefer, you can also apply for your fast credit by sending us documentation (ID number, paycheck, work history, etc.)

      If you want it, applying is this simple

        1. Calculate your monthly payment.
        2. Select how to apply: WITH or WITHOUT documents.
        3. Get an answer and enjoy your Fast Online Credit.

        Check the process in detail

      Would you like to pay a smaller fee?

      • EXAMPLE OF A LOAN WITH PAYCHECK OR PENSION DIRECT DEPOSITED
        If you decide to have your paycheck or pension directly deposited at BBVA, you will get 1% off the interest rate on your Fast Loan Without Documents:
      If you do NOT bring your paycheck or pension If you bring your paycheck or pension
      If you do NOT bring your paycheck or pension

      Fixed NIR

      8.20%

      If you bring your paycheck or pension

      Fixed NIR

      7.20%

      If you do NOT bring your paycheck or pension

      APR

      8.66%

      If you bring your paycheck or pension

      APR

      7.59%

      See quick loan example

      Apply for your Fast Online Loan

      Apply

      Would you like more information?

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

      But remember that to benefit from the 1% reduction in the interest rate, you must also have your paycheck or pension directly deposited at BBVA for the duration of the loan.

      Our Fast Online Loan Without Documents only has a 2.30% commitment fee, which is also waived if you apply before 03/31/2021.

      You will receive it instantly after signing if you decide to open a Fee-Free Online Account at BBVA. 

      Or within a maximum of 72 hours after signing, if you decide to receive your money in an account outside 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.

      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.

      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 a Débito Ahora card, also with no fee. Check out all its advantages here.

      From a minimum of €3,000 to a maximum of €20,000. If you need a smaller amount, you can request one of our credit cards.

      The payments 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 loans. BBVA recommends responsible financing.

      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 information lets you compare different loans because 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 Loan Without Documents is subject to approval by BBVA.

      You might also be interested in

      • Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        More information Apply
      • Man with a pen in his hand, sitting down next to a computer and notebook

        Find out your financing limit

        See how much financing you can afford to make your projects a reality.
        More information Find out

      Be a BBVA customer.

      • We are leaders in digital innovation working to make your life that bit easier.
      • Our approach is based on transparency, clarity and responsibility.

      Discover BBVA Bconomy

      A tool that helps you maintain your financial health

      Manage your expenses, create a financial cushion for your peace of mind, and set a savings goal.
      More information
      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.
      Express Online Loan
      Apply for your loan now
      Offer valid during current month
      1. Loans
      2. Express Online Loan

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