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finder.com’s rating: 4.4 / 5.0
★★★★★
$100,000
Max. Loan Amount
4.99% to 29.49%
APR
Min. credit score
Min. Loan Amount | $2,000 |
---|---|
Loan Amount | $100,000 |
APR | 4.99% to 29.49% |
Interest Rate Type | Fixed |
Min. credit score | |
Loan term | 1 to 6 years |
Turnaround Time | Up to 1 business days |
Review by
Aliyyah Camp is a SEO content strategist and former publisher at Finder, specializing in consumer and business lending. Her writing and analysis has been featured in CentSai, the Dough Roller and the Chicago Tribune. She holds a BA in communication from the University of Pennsylvania.
BBVA Express Personal Loan is ideal if you’re looking to borrow a large amount and already have a relationship with the bank. If offers a 1% rate discount for signing up for autopay from an eligible BBVA checking account. And you could get your funds the same day you’re approved — fast for a bank.
But you’ll need to live in one of the seven states it services to apply. And you can only apply for amounts under $35,000 online — you’ll have to call or visit a branch in person for any loans larger than that. It’s also not upfront about credit or income requirements — though banks tend to have stricter eligibility criteria than online lenders.
Not sold on BBVA? Find more options by using our comparison table.
BBVA personal loans come with 4.99% to 29.49% APR. Rates include a 0.5% discount for online applications, and 1% for in-person applications — but only if you sign up for autopay from a BBVA checking account. BBVA doesn’t disclose if this rate includes any fees.
You can borrow between $2,000 and $100,000. And terms run from 1 to 6 years. Use the calculator below to find out how much a loan might cost at different loan amounts, rates and terms.
Your loan |
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Loan amount |
$ |
Loan terms (in years) |
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Interest rate |
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or
Compare personal loans nowPrincipal | $ |
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Interest | $ |
Total Cost | $ |
To qualify for that 4.99% rate, you’ll need to apply in person, already have a BBVA account and sign up for autopay from that account. And you’ll likely need to have a good credit score of around 760 or higher and enough cash flow to afford your monthly repayments with money to spare.
You’ll also need good credit and cash flow to qualify for that $100,000 loan. And if you live in California, the most you can borrow is $15,000 — regardless of your credit or income.
To be approved for an Express Personal Loan with BBVA, you must meet the following requirements:
BBVA has branches the following states:
In addition to some basic information about yourself, you’ll need:
A BBVA personal loan can be a great option when you need a large loan with a long term. But it’s not right for everyone.