BBVA Online Negocios Loan

BBVA Online Negocios Loan

This is an online loan for businesses and the self-employed that allows you to get financing for business investments. To take out the loan, you must have been a BBVA customer for over 6 months.

  • Instant and straightforward, without financial documentation.

  • Indicate how much money you need, the purpose of the loan and the repayment period, and we will automatically credit the amount to your account.

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Requirements Online Negocios Loan:

  • Have been a BBVA customer for over 6 months.
  • Negocios Online Loan Uses: general machinery, vehicle, transportation (not vehicle), electronics, computer equipment, other investments.

Interest rate:

  • It is fixed and personalized based on the loan amount and repayment term.
  • The loan is paid for on a monthly basis starting on the effective date.

Amount and term:

  • You can apply for a minimum amount of €3,000 and a maximum of €50,000, regardless of whether you own a business or are self-employed.
  • The minimum repayment period is 13 months and the maximum is 60 months.


  • Customised opening fee.
  • Customised fee for early partial or full repayment.

Estimate of APR calculation:

  • Amount: €30,000
  • Term: 60 months.
  • Fixed interest rate: 5.55%.
  • Opening fee: €225 (0.75%).

NIR APR Monthly fee Total amount

Use the Online Negocios Loan calculator during the contract process, regardless of whether you own a business or are self-employed.

Additional info

  • 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.
  • The Bank may request written proof of the investment purpose you have indicated. If you are unable to present written proof, or if it does not correspond with the information you initially provided, the Bank may modify the loan conditions, adapting them to the specific loan purpose.

  • Fixed interest rate: the monthly installment you pay and the interest rate that applies will not vary during that term. Every month you will pay the same installment amount, even if market interest rates go up or down.
  • 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.