Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

BBVA Compass Express Personal Loans review

Last updated:  

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.


Max. Loan Amount

4.99% to 29.49%



Product NameBBVA Compass Express Personal Loans
Min. Loan Amount$2,000
Max. Loan Amount$100,000
APR4.99% to 29.49%
Interest Rate TypeFixed
Loan Term1 to 6 years
Turnaround TimeUp to 1 business days

Expert review

Aliyyah Camp

Review by

Aliyyah Camp is a writer and personal finance blogger who helps readers compare personal, student, car and business loans. Aliyyah earned a BA in communication from the University of Pennsylvania and is based in New York, where she enjoys movies and running outdoors.

Expert review

BBVA Compass 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 Compass 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 Compass? Find more options by using our comparison table.

How much will this loan cost me?

BBVA Compass 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 year to 6 years. Use the calculator below to find out how much a loan might cost at different loan amounts, rates and terms.

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 Compass, 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 Compass offers loans.
  • Good credit or collateral for secured loans.

What states does BBVA Compass service?

BBVA Compass 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

See other personal loan options

Data indicated here is updated regularly
Name Product Filter Values APR Min. Credit Score Max. Loan Amount
Credible personal loans
4.99% to 35.99%
Fair to excellent credit
Get personalized rates in minutes and then choose an offer from a selection of top online lenders.
SoFi personal loans
5.99% to 18.53%
A highly-rated lender with competitive rates, high loan amounts and no fees.
LendingTree personal loans
Starting from 3.99%
Good to excellent credit
Receive up to five loan offers in just minutes through LendingTree's simple online form.
NetCredit personal loans
34% to 155%
No minimum
Check eligibility in minutes and get a personalized quote without affecting your credit score.
Monevo personal loans
3.49% to 35.99%
Quickly compare multiple online lenders with competitive rates depending on your credit.

Compare up to 4 providers

Is BBVA Compass legit?

Yes, BBVA Compass is insured by the Federal Deposit Insurance Corporation (FDIC), meaning that it meets certain federal standards for banks. It has several privacy policies that outline how it uses the information in general, online, using its app and more. Residents of California can access additional policies that outline their options when it comes to limiting information sharing.

BBVA Compass reviews and complaints

BBB accredited No
BBB rating B-
BBB customer reviews 1 out of 5 stars, based on 87 customer reviews No reviews
Trustpilot Score 3.1 out of 5 stars, based on 8 customer reviews
Customer reviews verified as of 27 May 2020

BBVA Compass gets mixed online reviews, though most are about BBVA’s other loans and products. However many customers said they struggled to get through to customer service or make changes to their accounts. It also got points knocked off of its BBB rating after failing to respond to four complaints filed against the bank.

How do I apply?

You can apply for a BBVA Compass Express Personal Loan online, over the phone or at a branch. But to apply online, you’ll need a reservation code — and you’ll only have access to loans up to $35,000. To get started with your online application, follow these steps:

  1. Visit the BBVA Compass website and navigate to the Personal loans page.
  2. Click Respond to an invitation.
  3. Enter your reservation code and select how you received it — as a letter or an email.

BBVA Compass will then direct you to fill out its application online.

Can I apply if I didn’t receive an invitation?

Yes. You can call 800-239-1009 to speak to a BBVA Compass representative over the phone or visit one of its branch locations to start an application.

What happens after I apply?

BBVA Compass will review your application and send you a preview of your potential terms if you qualify. If you decide to finalize your application, BBVA Compass will do a hard pull of your credit. If you’re approved, you may be able to receive funding on the same day.

How do repayments work with BBVA Compass?

Once you have your loan, consider setting up autopay to avoid late payments and receive the interest rate discount. If you run into any problems paying your loan or have questions, you can contact customer service by calling 800-239-1996, submitting a secure form online or requesting customer service contact you online.

Not in one of the seven states that BBVA Compass services? Compare your other options with our guide to personal loans.

Frequently asked questions

Personal loan ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

We analyze top personal loan providers and rate them one to five stars based on factors that are most important to you. These factors include: rates and fees, customer reviews, loan amounts, loan processing and borrower experience.

Read the full methodology of how we rate personal loan providers.

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.


  1. Default Gravatar
    November 26, 2018

    I have a low credit score because I had two surgeries in April and May and it cost me over 5000.00 that I had to pay and it caused me to get behind on some of my bills. I would like to try and borrow 3000.00 and it would pay off all my bills and give me two notes to pay per month which would be the bank and my car note. I do have deposits of 3425.00 and 1090.00 coming to the bank per month and these could automatically be deducted from my account plus I am 100% disabled and trying to buy my first home.

    • Avatarfinder Customer Care
      November 26, 2018

      Hi Milton,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      I’m sorry to hear about your situation. If you deemed BBVA Compass Express as a lender that fits your needs, you would need to directly get in touch with them to discuss your eligibility.

      However, given with your situation, having a bad credit score, your options might be limited. We have a guide to help you get a loan even if you have a bad credit score. You can read it here. On that page, you will also see a table that allows you to conveniently compare online loans with bad credit. Once you found the right one for you, click on the “Go to site” green button to learn more or initiate your application.

      Please make sure that you’ve read the relevant T&Cs or PDS of the loan products before making a decision. Moreover, check the eligibility requirements as well and consider whether the product is right for you.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  2. Default Gravatar
    August 20, 2018

    I signed all my docusign papers when will i receive my loan amount qualified for via mail?

    • Default Gravatar
      August 20, 2018

      Hello Roy,

      Thanks for contacting finder.

      If you have been approved for a loan, the loan amount will be deposited to your account immediately or the same day that you submitted your application.

      Also, you may check the availability of BBVA Compass as it seems that it is not available in your state. Currently, it is only available to the following states: Alabama, Arizona, California, Colorado, Florida, New Mexico or Texas. You may compare the other Short Term Lenders at this page then click on the green “More” to know the details of the loan or the “Go to site” button to be redirected to the Lender’s site and submit your application. Before submitting your application, kindly check the Lender’s eligibility requirements as well as the Terms and Condition to ensure that it is the right loan for you.

      I hope this helps.

      Let us know if there is anything else that I may assist you with.


  3. Default Gravatar
    June 4, 2018

    How long does it take to receive actual funds into bank account after sign up and approval have been gone through?

    • Avatarfinder Customer Care
      June 5, 2018

      Hi Kyle,

      Thanks for getting in touch with finder. I hope all is well for you. :)

      If you’re referring to BBVA Signature Express Loans, you could see your funds immediately on the same day you were approved. If you didn’t get your money, you may want to directly get in touch with them to check the status of your loan.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!


  4. Default Gravatar
    November 30, 2017

    I want to get a BBVA express loan to clear some debts to start repaying credit and little things I need to get for a financial good start but my credit score is low.

    • Avatarfinder Customer Care
      November 30, 2017

      Hi Jimonie,

      Thanks for your inquiry. Please note that we are not affiliated with BBVA or any company we feature on our site and so we can only offer you general advice.

      If you are referring to BBVA Signature Express Loans, please contact them directly by visiting their official site and submit an online application.

      You can also have a look at this page for more helpful info about debt consolidation. Consolidating your debt could make your life a lot easier by putting it all in one place. Use this guide to learn how consolidation can free up your budget, what types of debt you can consolidate and what to consider before you take it on.

      While on this page, you may also compare your options for bad credit loans.

      Best regards,

  5. Default Gravatar
    September 29, 2017

    If you already have one loan with bbva compass, can you get a second one?

    • Default Gravatar
      October 1, 2017

      Hello Butterfli37,

      Thank you for reaching out to us.

      It depends on BBVA Compass. They may or may not approve a second loan for you.
      Just to set your expectations, one option that perhaps may be available is to top-up or add to your existing loan; for which you would still have to contact them directly.

      Alternatively, you may check your other loan options here.

      Hope this helped.


Go to site