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    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.

    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. 

    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.

    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.

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    • 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
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