BBVA Personal Online Loan . BBVA Coche Online Loan . BBVA Coche Ecológico Loan . All Loans .

What conditions do I have to satisfy?

Have a BBVA account with your paycheck or pension directly debited to it and receive BBVA's approval. Before signing the contract, you will receive key information in a standardized format called the Standard European Consumer Credit Information.

Do I have to pay more if I pay it back early?

If you choose to cancel a portion or the entire loan earlier than the specified term in the application, a cancellation fee of 0.5% of the cancelled amount will be applied.

Is there a minimum repayment period?

Yes, the minimum period you can choose is 3 months.

Is there a minimum amount?

Yes, the minimum amount you can choose is €1,000.

What will happen if I miss a payment?

You would be charged interest on arrears. Not making payments on time could have adverse consequences, such as forced sales or problems getting loans. Use the loan responsibly so you can make the payments and avoid potential surcharges by way of fees or interest.

What happens if I apply and change my mind?

You have the right to a cooling-off period of 14 calendar days from when the loan agreement is executed, at no extra cost.

What is the deadline for applying?

Terms and conditions valid until 01/31/2025. Account subject to approval by BBVA.

What if I need more information before applying for the loan?

You can contact our advisers to resolve any doubts you may have. If you need more information, you can consult this generic document with pre-contractual content and an example: Download document as a PDF

Get paid anytime BBVA

Up to 2 paychecks and a maximum of €3,000.
You have up to 6 months to pay it back.
No commitment fee.
$${tinBon} % NIR / $${taeBon} % APR.

A couple of examples will make it clear

Here are several examples of what it would be like if you receive your paycheck in advance:

Suppose you receive an advance on your salary of €3,000, which you plan to pay back in 3 months.

You would pay €$${monthValueBon} a month for the next 3 months (and €$${mailExpenses}/month in postage). In total, you would pay €$${totalValueBon}.

In this example, the commitment fee is 0%, the NIR is $${TINBon} % and the APR is $${TAEBon} % (the APR was calculated taking into account postage expenses: € $${mailExpenses} a month).

Suppose you receive an advance on your salary of €1,000, which you plan to pay back in 6 months.

You would pay €$${monthValueBon2} a month for the next 6 months (and €$${mailExpenses}/month in postage). In total, you would pay €$${totalValueBon2}.

In this example, the commitment fee is $${openingFeePercentage}%, the NIR is $${tinBon}% and the APR is $${taeBon}% (the APR is calculated taking into account postage expenses: €$${mailExpenses} a month).

This is how it works

To apply for the BBVA Get paid anytime loan, you must be a BBVA customer and have your paycheck or pension paid directly into your BBVA account.

You can receive an advance from €1,000 until 2 paychecks with a maximum of €3,000.

Pay it back over 3 to 6 months.

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At BBVA we want to help you with your day-to-day errands.
We are working to make your life a little easier with our digital solutions.
Our approach is based on transparency, clarity and responsibility.

Collect Your Paycheck When You Want

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Get paid anytime BBVA