How do I apply for a personal loan, and how long does it take to receive it?

The BBVA personal loan application process is simple: Fill out the application form. Send the requested documentation. If everything checks out, the money will be deposited into your account. For the BBVA Fast Online Loan, the process is quick and easy: Calculate your monthly payment. Select how to apply: WITH or WITHOUT documents. Receive a response and start using your Fast Online Credit (in approximately 8 business hours in your selected account).

How long does it take to receive a personal loan?

We usually reply to the application in about 8 business hours, and the application process does not require any documentation.

What documentation do I need to apply for a loan?

Depending on the bank, there may be a greater or lesser number of documents required. Typically, you will be required to provide the following: National ID (DNI) or Foreigner ID (NIE). The current account number into which the money is to be paid. Photocopies of several payslips and/or any other regular income received. If the loan applicant is self-employed, you may also be required to provide a photocopy of the self-employment registration document, the most recent annual VAT statement, and the most recent quarterly Income Tax payment slips.

What is the interest rate on the loan?

There are two interest rates that apply to your personal loan: NIR (Nominal Interest Rate) is what you pay a bank in exchange for receiving a loan. The APR (Annual Percentage Rate) indicates the cost of a financial product and includes both the interest rate and the various associated expenses and fees.

Personal loans for more than €3,000

Q: What is the most a bank can lend you?

At BBVA, you can request up to €75,000 for your projects or your next vehicle, or up to €20,000 with our Fast Online Loan Without Documents.

Do you need to financing for more than €3,000? See our offer.

Discover your loan for over €3,000

NO need to open an account or direct deposit your paycheck.

From €3,000 to €20,000 for non-customers and NO need to provide documents.
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Turn your projects into reality Request up to €75,000 in less than 3 minutes.

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If you want to change cars, BBVA makes it easy. Apply for up to €75,000 in less than 3 minutes, and a term of up to 8 years.

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Get up to €75,000 to finance your electric or hybrid plug-in car, with as much as 8 years to pay it back.

Sustainable product

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Finance your energy saving projects at a lower interest rate.

Sustainable product

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If you need a loan for more than €3,000, BBVA has you covered

Make your dreams come true or bring your projects to fruition with our wide range of loans, designed to adapt to your needs.

Request up to €75,000 for your projects or your next vehicle or up to €20,000 with our Fast Online Loan Without Documents. Our loans for over €3,000 with the best guarantees from BBVA.

Find the loan you need

Loan Simulator

Calculate the financing conditions of the loan you need with our simulator.

Calculate one of our loans. Choose the one you need and enter the amount, the purpose and the term to find out your monthly fee.

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Loan comparison tool

View our whole range of BBVA Loans in the fastest possible way.

If you're thinking about applying for a loan, at BBVA we can help you find the one that best suits your needs. Check this comparison tool.

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Financing limit

See how much financing we can offer you at BBVA.

Turn your project into reality with a personalized and responsible loan. See what your financing limit is and find out how much financing you can afford.

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Did you know that you don't need to be a customer to try the BBVA app?

Personal loans for more than €3,000

Discover your loan for over €3,000

Online Fast Loan Without Documents

Personal Online Loan

Coche Online Loan

BBVA Environmentally Friendly Car Loan

BBVA Energy Efficiency Loan

If you need a loan for more than €3,000, BBVA has you covered

Find the loan you need

Loan Simulator

Calculate the financing conditions of the loan you need with our simulator.

Loan comparison tool

View our whole range of BBVA Loans in the fastest possible way.

Financing limit

See how much financing we can offer you at BBVA.

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