Personal loan simulator: Calculate your loan online

Discover the BBVA loan simulator.

At BBVA, we can offer you the finance you need. With our loan simulator, you can choose the loan amount and repayment period, calculate your monthly payment and determine the interest on your loan.

You can also calculate 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 to be repaid.

Remember that the information on interest rates provided during the simulation does not constitute an offer. It only provides information on the given example.

Offer valid until the 03/31/2020. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

With your paycheck or pension directly deposited into BBVA, the cost will be: Fixed 7.20% NIR (APR from 8.15% to 10.46%).

Without a paycheck or pension direct deposited into BBVA: 8.20% fixed NIR (APR from 9.24% to 11.57%).

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.

Example with paycheck or pension directly deposited into BBVA for a €25,000 loan over 96 months. 7.20% NIR, 8.18% APR. Monthly payment: €343.34. Commitment fee on the borrowed amount (2.30%): €575. Mail expenses: €0.65 monthly. Total debited amount: €33,597.60.

Example without paycheck or pension direct deposited into BBVA for a €25,000 loan over 96 months. 8.20% NIR, 9.27% APR. Monthly payment: €355.96. Commitment fee (2.30%): €575. Mail expenses: €0.65 monthly. Total debited amount: €34,810.04. Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.