Instant loan

Finance your projects with a BBVA instant loan

  • Available to qualified customers 3 months after opening an account.
  • Apply for €3,000 to €10,000.*
  • Get an instant credit to your account.

Take advantage of the online instant loan

  • No cancellation fees

  • Transparent and low interest rate

  • Convenient repayment in monthly installments ranging from 12 to 96 months

Would you like better terms and conditions for your loan?

  • Simply debit the loan installments via direct debit and deposit your income or at least €800 per month into your BBVA account.
  • This gives you an interest rate advantage of one percentage point.Example: If your debit interest rate is 4.99% p.a., it will decrease to 3.99% with this reduction. The interest rate applied depends on your creditworthiness. You can check this in the App or online banking.

In order to apply for the loan, you must have a BBVA current account for at least 3 months. The bank reserves the right to decide, at its sole discretion, whether to offer you an instant loan. The debit interest rate depends on the customer's individual creditworthiness and ranges from 4.99% p.a. to 10.99% p.a. The reduced interest rate ranging from 3.99% to 9.99% p.a. applies to customers who have a regular income or have received payroll payments totaling over €800 in their BBVA account, provided that the loan installments are collected from this account. 

The instant loan is used to finance amounts between €3,000 and €10,000. You can repay the loan within a minimum term of 12 months, with a maximum term of 96 monthly installments. However, it is possible to repay the loan early at any time, with no fees, even before the end of the contract term.

Representative example according to § 17 PAngV: 

Annual percentage rate: 5.11%, fixed debit interest rate: 4.99% p.a., term of 60 months, net loan amount: €10,000, 60 monthly payments at €188.67, total amount: €11,319.99. Subject to credit approval. Lender: BBVA, German branch, Taunustor 1, 60310 Frankfurt.

Further information can be found in the European Standard Information for Consumer Credit – Instant Credit Agreement (“Credit Agreement”). Further information is available on our website: www.bbva.de/en/.

Discover our instant loan

Your car broke down. Now what?

Your instant loan will be ready for you in just a few minutes. In the examples you can see what a €5,000 loan with a 48-month repayment period could mean for you.

Nominal interest rate 3.99% p.a. - Effective annual interest rate 4.06% p.a. | Monthly rate: €112.87 | Total amount: €5,417.90

Nominal interest rate 4.99% p.a. - Effective annual interest rate 5.11% p.a. | Monthly rate: €115.12 | Total amount: €5,525.94

Discover our instant loan

You want to renovate. But you don't have the money.

Your instant loan will be ready for you in just a few minutes. In the examples you can see what a €10,000 loan with a 60-month repayment period could mean for you.

Nominal interest rate 3.99% p.a. - Effective annual interest rate 4.06% p.a. | Monthly rate: €184.12 | Total amount: €11,047.21

Nominal interest rate 4.99% p.a. - Effective annual interest rate 5.11% p.a. | Monthly rate: €188.67 | Total amount: €11,319.99

Discover our instant loan

Your laptop is broken. Who will lend you money for a new one?

Your instant loan will be ready for you in just a few minutes. In the examples you can see what a €3,000 loan with a 24-month repayment period could mean for you.

Nominal interest rate 3.99% p.a. - Effective annual interest rate 4.06% p.a. | Monthly rate: €130.26 | Total amount: €3,126.27

Nominal interest rate 4.99% p.a. - Effective annual interest rate 5.11% p.a. | Monthly rate: €131.60 | Total amount: €3,158.42

Apply for your instant loan online – it's quick and easy:

  • Open the BBVA App and check if the option “Instant loan” is available.
  • Choose the amount and the term.
  • Sign the application. Once approved, the amount will be credited to your account.

Please note that access to the instant loan is first available 3 months after the account has been opened, and is always subject to the bank's prior approval based on your creditworthiness.

Open your free BBVA current account now - and completely online!

  • The current account and debit card have no fees or conditions.
  • Transactions starting at €0 and 100% online.
  • Opening an account takes just a few minutes.

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Any questions?

*The amount of the potential credit limit of up to €10,000 depends on the customer's individual creditworthiness and their payroll being deposited into an account managed through us.