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BBVA Personal Loans review

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BBVA Personal Loans
Finder score
Max. Loan Amount
4.99% to 29.49%
Min. credit score

Our verdict

This bank offers loans of up to $100,000 with quick turnaround after you're approved.

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.


  • Big-name bank
  • Potentially fast turnaround
  • Autopay discount.

In this guide

  • Our verdict
  • Details
    • Product details
    • Contact info
  • Your reviews
  • Ask a question


Product details

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

Contact info

Phone number 800-239-1996
Twitter @BBVA_USA
Facebook @BBVAintheUSA

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

See other personal loan options

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Name Product Filter Values APR Min. credit score Loan amount
Best Egg personal loans
Finder Score: 3.8 / 5: ★★★★★
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8.99% to 35.99%
$2,000 to $50,000
Fast and easy personal loan application process. See options first without affecting your credit score.
Upstart personal loans
Finder Score: 4.2 / 5: ★★★★★
Upstart personal loans
7.80% to 35.99%
$1,000 to $50,000
This service looks beyond your credit score to get you a competitive-rate personal loan.
SoFi personal loans
Finder Score: 4.4 / 5: ★★★★★
SoFi personal loans
8.99% to 29.99% fixed APR
$5,000 to $100,000
A highly-rated lender with competitive rates, high loan amounts and no required fees.
Finder Score: 4 / 5: ★★★★★
8.49% to 35.99%
$1,000 to $50,000
Check your rates with this online lender without impacting your credit score.
LendingPoint personal loans
Finder Score: 3.3 / 5: ★★★★★
LendingPoint personal loans
7.99% to 35.99%
$2,000 to $36,500
Get a personal loan with reasonable rates even if you have a fair credit score in the 600s.
Happy Money
Finder Score: 3.8 / 5: ★★★★★
Happy Money
11.72% to 24.50%
$5,000 to $40,000
Pay down your debt with a fixed APR and predictable monthly payments.

Is BBVA legit?

Yes, BBVA 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 reviews and complaints

BBB accredited No
BBB rating A-
BBB customer reviews 1.07 out of 5 stars, based on 88 customer reviews
Trustpilot Score 2.8 out of 5 stars, based on 9 customer reviews.
Customer reviews verified as of 12 October 2020

BBVA 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 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 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 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 representative over the phone or visit one of its branch locations to start an application.

What happens after I apply?

BBVA will review your application and send you a preview of your potential terms if you qualify. If you decide to finalize your application, BBVA 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?

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 services? Compare your other options with our guide to personal loans.

Frequently asked questions

What is an express loan?

An express loan is typically a loan option that some companies offer with a faster turnaround time than its other lending products — it’s not an official term.

Often, express loans are designed for borrowers who need money fast — though they might have slightly higher rates than the alternative. However, BBVA’s Express Personal Loan comes with relatively competitive rates, especially compared to online lenders.

What is the BBVA ClearBenefits Program?

At $5 a month, the BBVA ClearBenefits Program is a membership offering up to $25,000 in identity theft insurance and identity restoration advocates available 24/7 to investigate suspicious activity and send fraud alerts to state agencies. Other benefits include an accidental death and dismemberment policy, cell phone protection and shopping discounts.

What does BBVA stand for?

BBVA stands for Banco Bilbao Vizcaya Argentaria. BBVA is the second largest bank in Spain.

Can I get a BBVA loan with bad credit?

While BBVA doesn’t advertise any credit score minimums, you might have a hard time qualifying if your credit score isn’t strong. Banks tend to have stronger credit requirements than online lenders or credit unions.

If you have an account in good standing with BBVA, however, you might have better luck getting approved with bad credit than you would with other banks — plus you can potentially qualify for that 1% rate discount.

Personal loan ratings

★★★★★ Excellent
★★★★★ Good
★★★★★ Average
★★★★★ Subpar
★★★★★ Poor
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Aliyyah Finder


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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.

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Joshua Finder

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 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. Click that link and you’ll be redirected to a new page where you will 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” 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 out again.

Have a wonderful day!



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August 20, 2018

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



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 in North Dakota. On the page is a comparison table you can use to see which lender suits you. Before submitting your application, kindly check the lender’s eligibility requirements as well as the terms and conditions 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.



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June 04, 2018

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


Joshua Finder

June 05, 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!



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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.


Rench Finder

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.

However, please keep in mind that you’ll need to at least have fair credit to qualify for most personal loans. If you have a low credit score, there are debt consolidation loans for bad credit that you may be eligible to apply for.

I hope this helps.

Best regards,


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September 29, 2017

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



September 30, 2017

Hello Butterfli37,

Thank you for reaching out to us.

Generally, you may take out two personal loans at once. Lenders may allow individuals to take out additional loans if they have paid off part of the initial balance of the first loan and have a history of on-time repayments, though policies will vary by lender.

It’s best to speak with BBVA loan customer service team so they can advise you whether or not you may be eligible to get a second loan with them. Remember to read through the loan Terms and Conditions before making a decision on whether it is right for you.

Hope this helps.



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