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    Personal Online Loan

    Let's get your project off the ground

    You can apply for anything from €3,000 to €75,000 to do it the way you envision it.

     

    • Interest rate: $${tinNoBon} % nir / APR $${taeNoBon} % or, if you receive your paycheck or pension at BBVA, $${tinBon} % nir / APR $${taeBon} %.
    • Commitment fee: 2.30%.

    Do you need less than €3,000?

    With the Aqua Plus Credit Card, you can apply for up to €3,000 for whatever you need. 
    View Aqua Más Credit Card

    You can apply in 2 minutes

    And the money will reach your account in 3 steps:
    • 1. Calculate your monthly payment and fill in your personal data. At the end, we will tell you if, in principle, your loan is viable.
    • 2. Send the documentation to confirm your situation. This way we can check and confirm if it is viable.
    • 3. Sign the loan. and, if everything is correct, you will receive the money in your account.
    Calculate payment

    If you have questions before, during or after, you can contact us at any time.

    Whenever you need expert help, we're close at hand to talk to you face-to-face from the app. As if you were at your branch, wherever you are.

    Now that you know the important stuff, here are the details

    What is this loan?

    It is a customer loan.If you are not a customer, we will ask you to open a fee-free online account. 
    • Amount
      You can ask for €3,000 up to €75,000 for whatever you need and we will pay them into your BBVA account.
    • Refund
      Depending on the amount you request, you can repay it in a minimum of 2 years and a maximum of 8 years.

    How much does it cost?

    Take your time to think it over. We will maintain these conditions until 01/31/2025.
    • Commitment fee
      This loan has a commitment fee of 2.3%.
    • Interest rate

      At the end of each month, your BBVA account will be charged the repayment fee with interest, which will be a maximum of $${tinNoBon} % nir, $${taeNoBon} % APR.

      And you will improve your interest rate to $${tinBon} % nir, $${taeBon} % APR, if you direct deposit your income at BBVA. If you have a paycheck, the minimum monthly net amount must be €600; and if you have a pension, €300.

    Here is an example

    If you asl for €10,000 for a term of 8 years.
    • Without direct payment of salary or pension
      Interest rate: $${tinNoBon} % NIR, $${taeNoBon} % APR
      Fixed monthly payment: $${monthValueNoBon} €
      Commitment fee $${openingFeePercentage} %: $${openingFeeAmount} €
      Total amount: $${totalValueNoBon} €
    • With a salary or pension paid into your account

      Interest rate: $${tinBon} % NIR, $${taeBon} % APR
      Fixed monthly payment: $${monthValueBon} €
      Commitment fee $${openingFeePercentage} %: $${openingFeeAmount} €
      Total amount: $${totalValueBon} €

      Remember that, in order to get 1% off, you would need to deposit a paycheck equal to or greater than €600, or a pension equal to or greater than €300.

    You have 14 days to change your mind

    Remember that you have the right to withdraw from the loan contract without incurring a cancellation fee for a period of 14 calendar days from the date you sign. We will refund the commitment fee to you, and you will only have to pay for the interest generated during those days.

    Do you want to cancel early?

    • More than 1 year left
      If you have more than one year left on your loan, you can cancel it partially or totally with a 1% fee on the amount you reduce the loan by.
    • The last year
      If you have less than one year left on your loan, you can cancel it partially or totally with a 0.5% fee on the amount you reduce the loan by.

    Are you in a professional group?

    Just for being part of a BBVA group, we offer you special conditions on your loan. You will be able to see them if you mark your company or professional group when calculating your monthly payment. 
    Calculate payment

    Now you know all about the Personal Online Loan

    Would you like to know what your monthly payment would be? Do so without obligation, we will not save any data you enter in the calculator.

    Calculate payment

    Would you like more information?

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

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