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BBVA Personal Loans review

This bank offers loans of up to $100,000 with quick turnaround after you're approved.’s rating: 4.4 / 5.0


  • Best for borrowers looking for a large loan amount fast.
  • Pick something else if you don't live in one of the seven states it services.
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Max. Loan Amount

4.99% to 29.49%


Min. credit score


Min. Loan Amount$2,000
Loan Amount$100,000
APR4.99% to 29.49%
Interest Rate TypeFixed
Min. credit score
Loan term1 to 6 years
Turnaround TimeUp 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.

Expert review

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.

How much will this loan cost me?

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.

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How it works

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.

What do I need to qualify?

To be approved for an Express Personal Loan with BBVA, you must meet the following requirements:

  • US citizen or permanent resident.
  • At least 18 years old.
  • Resident of one of the seven states where BBVA offers loans.
  • Good credit or collateral for secured loans.

What states does BBVA service?

BBVA has branches the following states:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • New Mexico
  • Texas

What information do I need to apply?

In addition to some basic information about yourself, you’ll need:

  • Social Security number
  • Proof of income or employment

Pros and cons

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.


  • Large loans up to $100,000
  • Up to 1% rate discount for autopay from BBVA account
  • Same-day funding available
  • Loan terms up to six years


  • Limited state availability
  • APRs up to 28.99%
  • Funds limited with online application

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7.49% to 25.49%
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$5,000 to $100,000
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PenFed Credit Union personal loans
Finder Rating: 3.6 / 5: ★★★★★
PenFed Credit Union personal loans
7.99% to 17.99%
$600 to $50,000
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Upstart personal loans
Finder Rating: 4.15 / 5: ★★★★★
Upstart personal loans
6.40% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
Credible personal loans
Finder Rating: 4.3 / 5: ★★★★★
Credible personal loans
4.60% to 35.99%
Fair to excellent credit
$600 to $100,000
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