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Instant Loan

Finance your projects with Instant Loan

  • You can request from €3,000 to €30,000.
  • Get credited to your account immediately.
  • Request 100% online and with one click.

Take advantage of our online personal loan

✦ Zero setup or cancellation charges

✦ Clear and competitive interest rates

✦ Easy monthly repayments over 12 to 96 months

Want better loan conditions?

It’s simple: pay your installments on time and deposit your salary (or a regular income of at least €800) into your BBVA account.

By doing so, you’ll benefit from a 1% discount on your loan’s APR.
For example, if your current APR is 8.99%, it will be reduced to 7.99%.

The exact rate depends on your profile, and you can check your personalized conditions anytime in your customer area.

Open a BBVA Current Account and unlock your Instant Loan

  • No fees, ever — free current account and debit card for life
  • 100% online with €0 transactions
  • Open your account in just 5 minutes

Apply for an Instant Loan Easily Online

  • Access the BBVA app and see if the Instant Loan option is available for you.
  • Choose the loan amount and your preferred repayment period.
  • Sign the application, and once it’s confirmed, the funds are transferred directly to your account immediately.

Need a Loan to Renovate Your Living Room?

See how much a €10,000 loan over 60 months could cost with three illustrative examples.

The interest rate depends on your individual profile. You can check the rate available to you directly in the BBVA app by starting a loan request.

  • APR 4.99% – 5.10% | Monthly payment: €188.67 | Total due: €11,319.96

  • APR 7.99% – 8.29% | Monthly payment: €202.72 | Total due: €12,162.87

  • APR 10.99% – 11.56% | Monthly payment: €217.37 | Total due: €13,042.56

Flexible Financing for Every Need

Explore the range of financing options BBVA provides, including Credit Card, Pay&Plan, and Salary Advance.

Benefit from transparent fees and manage all your financing conveniently and entirely online through the BBVA App.

Do you need more information?

How does an Instant Loan differ from Pay&Plan?
The BBVA Instant Online Loan offers fast financing to help you realize your projects immediately. Pay&Plan, on the other hand, lets you split one or more purchases made in the last three months into convenient monthly installments.

The interest rate (APR) for the Instant Loan can range between 5.99% and 11.99%, depending on your profile. You can find out your specific interest rate by logging into the BBVA app and starting the application.
Additionally, if you meet both of the following conditions:
1. The loan installments are debited from your BBVA account;
2. In the second calendar month prior to each installment, you deposit at least €800 into your account (via bank transfer, card, or salary/pension credit);
you will receive a 1 percentage point reduction on the applied APR.
For example, if your initial APR is 8.99%, thanks to the reduction, it will drop to 7.99%, allowing you to save on interest.

Yes, you must have held a BBVA current account for at least three months. This allows the Bank to assess your creditworthiness efficiently using your account history, which speeds up the application process. Disbursement is always subject to approval based on the Bank’s credit assessment.
A variable rate changes according to market benchmarks, which can cause installments to fluctuate. A fixed rate keeps your monthly payments constant throughout the loan term, providing predictability and stability.
The Instant Loan lets you borrow between €3,000 and €30,000. Approval and the maximum loan amount are always subject to the Bank’s credit assessment.
Yes, you can withdraw from your loan agreement within 14 calendar days of signing, without any penalties or fees. To do so, send a message through the My Messages section in your BBVA App or via your reserved area.
The simulation is for illustrative purposes only and assumes that the loan is disbursed on the last day of the reference month. Keep in mind that all financing is subject to prior approval by the Bank based on the applicant’s creditworthiness. The simulations on this page are calculated as follows: (a) assuming that both of the following conditions are met throughout the loan term: (i) the installment is debited from the customer’s BBVA current account and (ii) at least €800 is credited to the customer’s BBVA current account in the second calendar month before the installment is debited. Credits can come from bank transfers, payment card top-ups, or salary or pension deposits. To simulate the loan without these conditions, simply uncheck the box labeled “Display the discounted installment by crediting your salary or a monthly income of at least €800.” (b) assuming the loan is granted at an APR of 8.99 percent, which applies to customers with average creditworthiness according to the Bank’s internal policies. The maximum APR is 11.99 percent and the minimum is 5.99 percent. You can simulate the loan using these rates by selecting the appropriate options in the simulator. The actual interest rate applied to each loan depends on the outcome of the credit assessment conducted by the Bank. You can check the rate applicable to you by accessing the BBVA app and starting a loan application. Before signing the contract, carefully review the economic and contractual conditions included in the documents titled “Basic European Information on Consumer Credit – Immediate Loan” and the “Immediate Loan Agreement,” both available on the BBVA website.