Personal loan simulator: Calculate your loan online

You can also calculate your monthly payment and the interest on the loan, and get information on the NIR and APR interest rates and the corresponding total fees to find out the total amount you would owe

Remember that the information on interest rates provided during the simulation does not constitute an offer. It only provides information on the given example. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A

Terms and Conditions for customers of the Personal Online Loan and Coche Online Loan for vehicles over 3 years old:

  • From 7.80% fixed NIR (8.09% APR) with a paycheck or pension direct deposited with BBVA.
  • To 8.80% fixed NIR (9.16% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 7.80% NIR, 8.09% APR. Constant monthly payment: €140.35. Commitment fee on the amount borrowed (0%): €0. Total debited amount: €13,473.96.

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 8.80% NIR, 9.16% APR. Constant monthly payment: €145.47. Commitment fee on the amount borrowed (0%): €0. Total debited amount: €13,964.62.

Calculations based on loan being signed on the last day of the month.

Offer valid until 06/30/2024. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions for customers of the Coche Online Personal Loan for vehicles under 3 years old:

  • From 6.55% fixed NIR (6.75% APR) with a paycheck or pension direct deposited with BBVA.
  • To 7.55% fixed NIR (7.82% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 6.55% NIR, 6.75% APR. Constant monthly payment: €134.11. Commitment fee on the amount borrowed (0%): €0. Total debited amount: €12,874.36.

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 7.55% NIR, 7.82% APR. Constant monthly payment: €139.09. Commitment fee on the amount borrowed (0%): €0. Total debited amount: €13,352.78.

Calculations based on loan being signed on the last day of the month.

Offer valid until 06/30/2024. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions of the Eco-Car Loan for customers and new customers:

  • From 4.80% fixed NIR (4.91% APR) with a paycheck or pension direct deposited with BBVA.
  • To 5.80% fixed NIR (5.96% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 4.80% NIR, 4.91% APR. Constant monthly payment: €125.65. Commitment fee on the loan amount: €0. Total debited amount: €12,062.32.

Example without direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 5.80% NIR, 5.96% APR. Constant monthly payment: €130.44. Commitment fee on the loan amount: €0. Total debited amount: €12,522.52.

Calculations based on loan being signed on the last day of the month.

Offer valid until 06/30/2024. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Conditions Energy Efficiency Loan for customers and new customers:

  • From 4.80% fixed NIR (4.91% APR) with a paycheck or pension direct deposited with BBVA.
  • To 5.80% fixed NIR (5.96% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 to €75,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 4.80% NIR, 4.91% APR. Constant monthly payment: €125.65. Commitment fee on the loan amount: €0. Total debited amount: €12,062.32.

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 5.80% NIR, 5.96% APR. Constant monthly payment: €130.44. Commitment fee on the loan amount: €0. Total debited amount: €12,522.52.

Calculations based on loan being signed on the last day of the month.

Offer valid until 06/30/2024. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions of Fast Online Loan for new customers:

  • From 5.60% fixed NIR (5.746% APR) with a paycheck or pension direct deposited with BBVA.
  • To 6.60% fixed NIR (6.803% APR) with a paycheck or pension not direct deposited with BBVA.
  • Amount: from €3,000 up to €20,000. Term: from 2 years up to 8 years. Payment of the monthly installment: the last day of each month.
  • Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Example with a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 5.60% NIR, 5.746% APR. Constant monthly payment: €129.48. Commitment fee on the loan amount: €0. Mail expenses: €0.82 monthly. Total debited amount: €12,429.51. 

Example without a paycheck or pension direct deposited at BBVA for a €10,000 loan over 96 months (8 years). 6.60% NIR, 6.803% APR. Constant monthly payment: €134.36. Commitment fee on the loan amount: €0. Mail expenses: €0.82 monthly. Total debited amount: €12,897.91. 

Calculations based on loan being signed on the last day of the month.

Exclusive conditions for single-borrower, online fast loans of up to €20,000 taken out by new customers. The product is not available at BBVA branches. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

If you take out Payment Protection Insurance, the APR of your loan may vary, since the cost of the policy's Financed Single Premium (PUF for initials in Spanish) will be included in the loan amount and will affect the total amount owed.

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