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
Go to main content
BBVA Home
  • People
  • Self-employed professionals and businesses
  • Become a customer
  • Access Access Access
  • Menu Close
Products
Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Invite a Friend Plan
Branches and ATMs
BBVA Newsroom
Try out BBVA without being a customer
  • Español
  • Català
  • English
  • Galego
  • Euskara
Individuals Self-employed people and companies
  • Home
  • Accounts
  • Cards
  • Mortgages
  • Loans
  • Insurance
  • Pension plans
  • Mutual funds
  • Deposits
  • Investment portfolios
  • Savings insurance
  • Stock exchange and markets
  • BBVA Autorenting
Click enter
Suggestions

    Experiences

    • Bank Moving Service

      Bank Moving Service

      Switch to BBVA and we'll handle all the paperwork for you

    • Try out BBVA without being a customer

      Try out BBVA without being a customer

      Discover the features of the BBVA app without opening an account.

    • Bizum

      Bizum

      Send and receive money from your phone instantly. As easy as sending a message.

    • My everyday operations

      My everyday operations

      Track your income and expenses, organized by categories and subcategories.

    • Mobile payment

      Mobile payment

      Leave your wallet at home and pay for everything with your cell phone.

    • BBVA Valora

      BBVA Valora

      We'll help you evaluate the price of a car, a home and much more.

    Try out BBVA without being a customer

    We invite you to get to know it
    I'm interested
    Invite a Friend Plan Branches and ATMs BBVA Newsroom Try out BBVA without being a customer
    Access Access Access
    • Español
    • Català
    • English
    • Galego
    • Euskara
    Become a customer
    Click enter
    Suggestions
      ADVERTISING
      MM/DD/YYYY
      Campaign illustration

      Online Fast Loans Without Documents

      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

      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

      You can improve the interest rate

      • 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:
      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.

      How do Fast Online Loans work?

      • Get a paperless 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, from 5.50% fixed NIR (5.81% APR) with paycheck or pension direct deposited with BBVA up to 6.50% fixed NIR (6.86% APR) without a paycheck or pension direct deposited with BBVA, repayable in up to 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

      Do you belong to a group?

      Enter the name of your company or mutual society in the calculator and see what exclusive conditions are available on the interest rate of your personal loan or credit for belonging to this group. 
      Illustration of several professional groups: police, doctor, civil servant.

      Apply for your Fast Online Loan

      Apply

      Offer valid for online loans for new customers for up to €20,000 with a single borrower. The product is not available at BBVA branches.

      Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

      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.

      You might also be interested in

      • Family in the kitchen checking their instant loan on the computer

        Personal Online Loan

        Turn your projects into reality Request up to €75,000 in less than 3 minutes.
        More information
        Start calculation
      • 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.

      • 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.
      Offer valid during current month
      1. Loans
      2. Express Online Loan
      Footer
      • More BBVA

        • Private banking
        • BBVA for young people
        • BBVA for Seniors
        • BBVA Collectives
        • Shareholders
        • BBVA Research
        • Jobs at BBVA
        • Network of BBVA agents
        • bbva.com
        • Currency exchange
      • The latest

        • Help Ukraine
        • Promotions and offers
        • Financial Health
        • Sustainability
        • Cybersecurity
        • COVID-19 grants
        • Bank Moving Service
        • Account transfer
        • Payment of debit entries
        • Holiday calendar
      • Calculators and simulators

        • Loan Simulator
        • Car loan calculator
        • Mortgage calculator
        • Mortgage switching calculator
          Elección Account Calculator
          IBAN calculator
          Salary calculator
          Gasoline cost calculator
          BBVA Valora
          BBVA Invest
      • Utilities

        If you want to report a vulnerability you have found in BBVA, please click here

        Branches and ATMs

        Getting started in the app

        Everything from your cell phone

        Finances at a glance

        Economic dictionary

        Apps

        Accessibility

      BBVA logo
      Legal notice
      Cookies
      Personal data
      Statutory reports
      Payment services
      Fees
      Notice board
      Responsible business
      • Español
      • Català
      • English
      • Galego
      • Euskara

      Banco Bilbao Vizcaya Argentaria S.A. 2023

      Creating Opportunities