BBVA Compass Signature Express personal loan review August 2018
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BBVA Signature Express Loans review

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Easily apply for up to $100,000 with quick funding upon approval.

BBVA Compass is among the nation’s 25 largest banks, with some 700 locations in seven states. If you live in one of the seven states it services, it could be an option for unrestricted funding to pay for repairs or renovations, consolidate debt or celebrate one of life’s many milestones.

What is a BBVA Signature Express loan?

With a BBVA Signature Express loan, you can apply for a lump sum of $2,000 to $100,000. Loans are unsecured and come with APRs that range from 6.07% to a very high 35.06%.

Fixed rates mean predictable monthly payments, and the only collateral you’ll is your signature as a promise to repay.

Product name BBVA Signature Express Loan
APR 6.07%–35.06%
Loan security Unsecured
Repayment type Fixed rate
Minimum loan $2,000
Maximum loan $100,000
Minimum term 12 months
Maximum term 72 months
Minimum income requirement Not listed
Credit score range Not listed
Application fee $0
Late fee or penalty Not listed
Returned check fee or penalty Not listed
Restricted uses Unrestricted, but you must indicate the purpose of your loan
Interest surcharge $60 for loans of $2,000–$9,999; $120 for loans of $10,000 or more
States available Alabama, Arizona, California, Colorado, Florida, New Mexico and Texas

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Rates last updated August 17th, 2018

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Unfortunately, none of the personal loan providers offer loans for that credit score. If you are in urgent need of a small loan, you might want to consider a short term loan.
Name Product Product Description Min. Credit Score Max. Loan Amount APR
LendingClub Personal Loan
A peer-to-peer lender offering fair rates based on your credit score.
660
$40,000
6.16%–35.89% (fixed)
SoFi Personal Loan Fixed Rate (with Autopay)
No fees. Multiple member perks such as community events and career coaching.
680
$100,000
7.075%–15.365% (fixed)
Even Financial Personal Loans
Get connected to competitive loan offers instantly from top online consumer lenders.
580
$100,000
4.99%–35.99% (fixed)
NetCredit Personal Loan
Check eligibility in minutes and get a personalized quote without affecting your credit score.
550
$10,000
34%–155% (Varies by state) (fixed)
Best Egg Personal Loans
A prime lender with multiple repayment methods.
640 FICO®
$35,000
5.99%–29.99% (fixed)
Credible Personal Loans
Get personalized rates in minutes and then choose a loan offer from several top online lenders.
Good to excellent credit
$50,000
4.99%–36% (fixed)
Monevo Personal Loans
Quickly compare multiple online lenders with competitive rates depending on your credit score.
580
$100,000
3.09%–35.99% (fixed)
FreedomPlus Personal Loans
Consolidate debt and more with these low-interest loans. Cosigners welcome.
640
$35,000
4.99%–29.99% (fixed)
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
Bad credit accepted
$5,000
99%–199% (fixed)
OneMain Financial Personal and Auto Loans
An established online and in-store lender with quick turnaround times. Poor credit is OK.
Varies
$30,000
16.05%–35.99%* (fixed)

Compare up to 4 providers

What are the benefits of a BBVA Signature Express loan?

Recognized as a leading lender by the SBA, BBVA Compass could be a place to turn when you’re looking to fund life’s next big step.

  • Easily apply online. Apply online and hear back from a banker the same day.
  • Rate discounts. Save more with autopay from a BBVA Compass checking account, which knocks 1% off your APR, or by signing up with the Premier Personal Banking Program at the time the loan is finalized for 0.25% off the interest rate.
  • Same-day funding. You could see your funds immediately on approval.

How much can I expect to pay for a Signature Express Loan with BBVA Compass?

According to the bank, a 12-month loan for $2000 at 35.06% APR will result in 12 monthly payments of $193.98 each. This result does not include an interest surcharge of $60 payable at closing.

What do customer say about BBVA Compass?

BBVA Compass mostly gets negative online reviews as of June 2018. It’s not rated by the Better Business Bureau (BBB), nor is it accredited. It also doesn’t have a Trustpilot page. However, 98% of its 62 BBB reviews are negative and nearly 550 customers have filed a complaint with the bureau.

The main complaint: Customer service. The majority of reviewers detailed frustrating situations where they tried and failed to get customer service to resolve their issue. In fact, only one reviewer had a positive customer service experience. Other complaints involved the online application, inflexibility with loan repayments after an emergency and online glitches that made it difficult to repay a loan.

What to watch out for

BBVA Signature Express loans make it easy to get money quickly and consolidate debt, fund vacations or make big purchases. But take a look below before you apply:

  • Potentially high APR. If you have poor credit, you could face an APR as high as 35.06%.
  • Surcharge. You’ll pay a surcharge of $60 for loans from $2,000 to $9,999 and $120 for loans of $10,000 or more.
  • Limited services. Loans are available in Alabama, Arizona, California, Colorado, Florida, New Mexico or Texas only.

Am I eligible for a Signature Express Loan?

To be approved for a Signature Express Loan with BBVA Compass, you must:

What do I need to apply?

To apply for a BBVA Signature Express loan, be ready to supply:

  • Your personal contact information.
  • How much money you need.
  • How you plan to spend the loan.

Complete the online application to be contacted by a banker with BBVA Compass’s decision.

BBVA Signature Express loan review

I got a BBVA Signature Express loan. Now what?

  • Set up autopay. Avoid late payment fees and save on your rate by setting up automatic withdrawals from a BBVA Compass bank account.
  • Customer service. If you need support, call BBVA Compass loan support at 800-239-1996, send a secure form online or request for customer service contact you online. Connect on Facebook at BBVACompass or on Twitter @BBVACompass.

Bottom line

BBVA Signature Express loans can get you the money you need for just about anything you need it for. Quick turnaround and a lump-sum payment of up to $100,000 are just a few of the benefits.

But if you’re not in BBVA Compass’s seven-state service area, you’ll need to compare your loan other options.

Frequently asked questions about BBVA Signature Express Loans

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6 Responses

  1. Default Gravatar
    KyleJune 4, 2018

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

    • finder Customer Care
      JoshuaJune 5, 2018Staff

      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!

      Cheers,
      Joshua

  2. Default Gravatar
    JimonieNovember 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.

    • finder Customer Care
      RenchNovember 30, 2017Staff

      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,
      Rench

  3. Default Gravatar
    Butterfli37September 29, 2017

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

    • Default Gravatar
      GruOctober 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.

      Sincerely,
      Gru

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