BBVA Financing of Large Bills and Payments

BBVA Financing of Large Bills and Payments

We can help you pay your bills or charges to your account made using your debit card.

  • 0% NIR. APR (14.14%).

  • From €300 up to €1,000.

  • 3-month term.

Finance bill

Interest rate:

  • Interest rate of 0% NIR. APR (14.14%)


  • A loan intended for financing payment of bills and debit card charges on your account for an amount between €300 and €1,000.
  • Immediate contracting through the BBVA website or app, without needing to provide documentation.
  • The loan is credited into the account you select during the contract process. 

How it works:

  • When viewing your personal account transactions or in your global position view, you can see the bills you can finance marked with the label "financeable". Select the charge of your choice in order to finance it in convenient installments.
  • You can finance up to a maximum of 4 charges per year in your account with these characteristics.


  • From €300 to €1,000, whether the charges come directly from BBVA or if direct debit payment requests are received (financing of tax payments is allowed).


  • 3 months.


  • Commitment fee: 2%.

Until when can it be taken out?

Offer valid until the 09/30/2019.

Example for financing a €1,000 bill over a period of three months

NIR 0% (APR 14.14%)
Amount of the loan €1,000
Total term 3 months
2% commitment fee on the loan amount
Total amount €1,021.80
Monthly fee €333.33

The APR was calculated taking into account postage expenses: €0.60 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.
  • 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.
  • For more information, you can check the following generic document with pre-contractual content and an example: Download pdf document


  • 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.