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 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.

Terms and Conditions of Personal Online Loan for Customers

  • With your paycheck or pension directly deposited into BBVA, the cost will be: Fixed 7.20% NIR (8.27% APR)
  • Without a paycheck or pension direct deposited into BBVA: Fixed 8.20% NIR (9.36% APR).
  • 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 direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 7.20% NIR, 8.27% APR. Constant monthly payment: €137.33. Commitment fee on the borrowed amount (2.30%): €230. Mail expenses: €0.65 monthly. Total debited amount: €13,476.67.

Example without direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months (8 years). 8.20% NIR, 9.36% APR. Constant monthly payment: €142.39. Commitment fee (2.30%): €230. Mail expenses: €0.65 monthly. Total debited amount: €13,961.23. Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Offer valid until November 30, 2020. Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.

Terms and Conditions of Fast Loan for New Customers

  • With your paycheck or pension directly deposited into BBVA, the cost will be: Fixed 7.20% NIR (7.57% APR).
  • Without a paycheck or pension direct deposited into BBVA: Fixed 8.20% NIR (8.64% APR).
  • 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.

Example with direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months. 7.20% NIR 7.57% APR. Constant monthly payment: €137.33. Commitment fee on the loan amount: €0. Offer valid until 12/31/2020. Mail expenses: €0.65 monthly. Total debited amount: €13,246.67. 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 without direct deposit of paycheck or pension at BBVA for a loan of €10,000 over 96 months. 8.20% NIR, 8.64% APR. Constant monthly payment: €142.39. Commitment fee on the loan amount: €0. Offer valid until 12/31/2020. Mail expenses: €0.65 monthly. Total debited amount: €13.731.23. Total or partial early repayment fee on the unpaid amount: 0.50% if the outstanding payment period is under 12 months, and 1% otherwise.

Financing subject to approval from Banco Bilbao Vizcaya Argentaria, S.A.