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

      Home Remodeling Loan

      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 with BBVA.

      • 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

      • Calculate your monthly repayment
        Go to our calculator and calculate the loan payment you need in an instant.
      • Fill out your personal details
        Connect securely with your other banks thanks to the banking aggregation process.
      • Enjoy your loan
        Within 8 hours, you will have your answer and you will be able to enjoy Fast Online Credit. 
      Calculate your repayments

      1. Calculate your payment: Select the amount you need in our loan calculator (from €3,000 to €20,000), the payment that best suits your needs and the period over which you wish to repay the home renovation loan (from 24 to 96 payments).
      2. Once you enter your personal details, we will connect online with the bank where you have your paycheck or pension direct deposited, using your own login password, to check your financial information. This will allow us to evaluate your home renovation loan and also to keep your data well protected.
      3. Get an answer and enjoy your loan: We will let you know in approximately 8 working hours if your home renovation loan is approved. We will do this by email, although you can also check it in the BBVA app. If so, all you have to do is sign the contract using the latter to receive your money.

      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 home remodeling 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 home remodeling loan is intended for people who do not currently have an account with BBVA.

      • If you open a Fee-Free Online Account (or you already have one) and you direct debit the loan from it: you will receive it instantly once you sign the contract.
      • If you direct debit the loan from an account outside BBVA: you will receive it within 72 hours after signing the contract.

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

      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 Home Remodeling Loan can only have one applicant.

      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.

      • 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 home remodeling loan is subject to approval by BBVA.

      You might also be interested in

      • Young woman fastening the seat belt in her new car

        Coche Online Loan

        If you want to change cars, BBVA makes it easy. Apply for up to €75,000 in less than 3 minutes, and a term of up to 8 years.
        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
      • Bank Moving Service

        A free and simple way to transfer your income and your bills, or your entire account from another bank, because BBVA takes care of everything
        More information

      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.
      Home Remodeling Loan
      Calculate your repayments
      Offer valid during current month
      1. Loans
      2. Home Remodeling Loan
      Footer
      • More BBVA

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

        • Help Ukraine
        • Promotions and offers
        • Financial Health
        • Sustainability
        • Cybersecurity
        • 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