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 activation or 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: Wenn dein Sollzinssatz 8,99 % p. a. beträgt, sinkt er mit dieser Ermäßigung auf 7,99 % p. a. The interest rate applied depends on your creditworthiness. You can check this in the App or online banking.

The above calculation model is not to be regarded as a binding loan offer. It only serves as an example calculation. The bank reserves the right to decide, at its sole discretion, whether to offer you an instant loan. 

The nominal interest rate depends on the individual creditworthiness of the customer and varies between 4.99% p.a. and 8.99% p.a. Customers with regular monthly income of at least €800 in their BBVA account receive an interest rate advantage of 1% p.a. if the loan installments are collected from this account. 

Representative example according to § 17 PAngV: 

Effektiver Jahreszins 4,06% p.a., fester Sollzinssatz 3,99%  p.a., Laufzeit 60 Monate, Nettodarlehensbetrag 10.000 €, 60 monatliche Raten à 184,12 €, Gesamtbetrag 11.047,21 €. Subject to credit approval. Lender: BBVA, German Branch, Neue Mainzer Straße 28, 60311 Frankfurt am Main

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/.

Do you need a loan to renovate your kitchen?

Discover what a €10,000 loan with a 60-month repayment period could mean for you. We'll show you two examples.
  • Nominal interest rate: 3.99% – annual percentage rate: 4.06% | Monthly rate: €184.12 | Total amount: €11,047.21
  • Nominal interest rate: 4.99% - annual percentage rate: 5.11% | Monthly rate: €188.67 | Total amount: €11,320.20

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 possible credit limit of up to €10,000 depends on the individual creditworthiness of the customer and their salary being deposited into an account managed with us.
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