BBVA Salary Advance

Do you need extra incomings? Now you can get it online with BBVA thanks to your salary: Get an advance with this loan:

  • Interest rate 0% NIR (5.73% APR).
  • Up to a maximum of three salaries and for a maximum amount of €3,000.
  • Term of the salary advance loan: up to 6 months


Interest rate:

  • Interest rate of 0% NIR, (5.73% APR) during all the loan life for direct debit payment of salary or pension and maintenance of the same one during the loan life.
  • Granting subject to approval by BBVA.

Commitment fee

  • 1.5% on the contracted amount with no minimum. This salary advance loan has no study fee.

Requirements for salary advance

  • Have an account in BBVA with your salary paid directly into your bank account.


  • Maximum amount: The lesser of these two amounts:
    • €3,000.
    • Or the sum of three salaries.
  • Minimum amount: €600.

Salary advance loan term

  • From 3 to 6 months.

Partial or full repayment fee:

  • You can repay all or part of the salary advance loan before the end of the term. 
  • You can apply for a salary advance loan using our online form or in a BBVA branch.
  • The fee for full or partial early repayment is 0.50% of the outstanding capital.
  • If you pay back some of the loan early you can then choose to:
    • Shorten the term of the loan but keep the installment amounts the same.
    • Keep the term the same but reduce the amount of the remaining installments.

Until when can it be taken out?

Offer valid until 12/31/2018.

Example of a loan of €3,000 with three salary payments of €1,000 in a term of 6 months.

NIR 0% (APR 5.73%)
Amount of the loan €3,000
Term 6 months
Start-up fee 1.5% on the amount lent
Total amount 3,048.3€
Monthly fee €500

The APR was calculated taking into account postage expenses: €0.55 monthly.

  • You must use financing responsibly in order to be able to cover the repayments and thus avoid possible surcharges in the form of fees or interest.
  • In the event of delays in the monthly repayment, the corresponding late payment fees will be applied. Non-payment may cause serious consequences (such as forced sale) and hinder the acquisition of a credit.
  • Before signing the contract, you will receive the European standardized information on consumer credit.
  • For reasons of caution and liability in the granting of loans, the bank may request the operation to be arranged before a notary.
  • You are entitled to withdraw from the loan agreement within 14 calendar days from entering into the contract, at no extra cost.


  • Annual Percentage Rate (APR): interest rate that indicates the actual cost or yield of a financial product. The APR is calculated based on a standardized mathematical formula that takes into consideration the nominal interest rate of the operation, the frequency of payments (monthly, quarterly, etc.), the bank fees and some operation expenses.
  • Nominal interest rate (NIR): it is a fixed percentage that is applied to the amount lent and that determines the amount of the installments to be paid to the financial institution.