Personal loan simulator: Calculate your loan online

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

You can also calculate your monthly payment and the interest on the loan, as well as 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. 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 7.20% fixed NIR (8.29% APR) with a paycheck or pension direct deposited at BBVA.
  • To 8.20% fixed NIR (9.38% 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 direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 7.20% NIR, 8.29% APR. Constant monthly payment: €137.33. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,486.27.

Example with no paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 8.20% NIR, 9.38% APR. Constant monthly payment: €142.39. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,970.83.

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

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

  • From 5.95% fixed NIR / (6.95% APR) with a paycheck or pension direct deposited at BBVA.
  • To 6.95% fixed NIR (8.02% APR) with no paycheck or pension direct deposited at 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 direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 5.95% NIR, 6.95% APR. Constant monthly payment: €131.17. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €12,894.36.

Example with no paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 6.95% NIR, 8.02% APR. Constant monthly payment: €136.09. 2.30% commitment fee on the borrowed amount: €230. Mail expenses: €0.75 monthly. Total debited amount: €13,366.41.

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

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

  • From 4.95% fixed NIR (5.23% APR) with a paycheck or pension direct deposited at BBVA.
  • To 5.95% fixed NIR (6.28% APR) with no paycheck or pension direct deposited at 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 direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 4.95% NIR, 5.23% APR. Constant monthly payment: €126.36. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,202.76.

Example without direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 5.95% NIR, 6.28% APR. Constant monthly payment: €131.17. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,664.36.

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

Offer valid until January 31, 2022. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions of Fast Online Loan for new customers:

  • From 3.75% fixed NIR (3.98% APR) with a paycheck or pension direct deposited with BBVA.
  • To 4.75% fixed NIR (5.02% APR) with no paycheck or pension direct deposited with BBVA.
  • Amount: from €3,000 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 paycheck or pension direct deposited at BBVA for a loan of €10,000 over 96 months (8 years). 3.75% NIR, 3.98% APR Fixed monthly payment: €120.73. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €11,662.44. 

Example without direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 4.75% NIR, 5.02% APR Fixed monthly payment: €125.41. Commitment fee on the loan amount: €0. Mail expenses: €0.75 monthly. Total debited amount: €12,111.62. 

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

Exclusive conditions for online, single-borrower, fast loans of up to €20,000 taken out by new customers between October 13 and February 9, 2022. 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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