BBVA Express Personal Loans


Consolidate debt with quick assess to funds upon approval

Check your rate, with no impact to your credit score.* Then apply.

If you need cash, we've got a fast, convenient solution. Apply for a personal loan today, and enjoy the benefits of borrowing from an established bank you can trust. Visit us at a branch or give us a call to get started. Have a reservation code? You can also take advantage of our online process.

Features Include:

  • Fixed APRs from 5.99% to 29.99%
  • Loan amounts up to $35,000 online with reservation code (up to $100,000 when you apply in branch or over the phone)
  • Terms from 12-72 months
  • No collateral needed, only your signature
  • No fees ever when you pay on time

Only the most creditworthy applicants will qualify for the lowest APRs and/or highest loan amounts.



Express Personal Loan features 


Potential same-day funding

Check your rate, complete an application, and if approved, you'll receive funds in a lump sum - making this a great option for a large purchase. Existing BBVA customers may even have the opportunity to receive same-day funding upon approval.1

No Fees

$0 Fees as long as you pay on time. Apply for an Express Personal Loan with peace of mind knowing that you won't have any application fees or origination fees. You can even pay off your balance early without a prepayment penalty.

No collateral requirements

Apply for an unsecured personal loan quickly and easily with no collateral requirements. That means you could get the money you need without bringing your personal property into the picture.

Simplified budgeting

Easily develop a budget with set monthly payments. When you consolidate debt with a personal loan, you can turn multiple monthly payments into a single bill. That’s a shorter to-do list for you, and an easier way to keep track of what you owe.

Borrow for a variety of purposes

Use your personal loan to consolidate debt or fund large purchases, such as travel, special events, medical expenses, and almost any other situation when you need cash.



Comparison Chart

See how an Express Personal Loan could potentially save you thousands*

Compare how much you could save in interest payments with an Express Personal Loan vs. a traditional high-interest credit card. The scenario below shows an interest savings of $7,140.

Express Personal Loan High-Interest Credit Cards







Monthly Payment



Interest paid



Loan Payoff Timeline

36 monthly payments over 3 years

More than 14+ years

*The interest savings represented in this chart are for illustrative purposes only. Calculations are based on a 3-year BBVA Express Personal Loan with the lowest available fixed rate of 7.24%  APR. Only the most creditworthy applicants will qualify for the lowest rates. Credit card calculations assume a $15,000 balance, a payment amount of 4% and an 18.00% APR. The $600 monthly payment example is for the first payment only. The exact payment would decrease over time. Total payoff time and interest paid may vary depending on your individual credit card activity. To evaluate savings on the loan you are considering, you must compare the actual terms of your existing debt to the APR offered by BBVA. All loans are subject to approval, including credit approval.


How It Works

How we calculate your loan terms

1. Enter your personal information

We'll use your personal information, including your Social Security Number, date of birth, and income, and perform a soft pull of your credit to present you with loan terms customized to you. A soft pull of your credit will not impact your credit score.


3. Choose the right loan for you

Want to pay your loan off faster? Choose a shorter term and make higher monthly payments. Need a lower monthly payment? Pick a longer term—just know that you may pay more in interest with this option.  

2. See a preview of your terms

Based on your information, we’ll show what you may qualify for, including an estimated loan amount, term, rate, and monthly payment, before you actually apply. You may see a variety of loan scenarios based on your eligibility.


4. Apply for a personal loan

If you like what you see, you can complete the loan application (this will require a hard pull of your credit) and receive potential same-day approval and funding. It’s that fast and easy!

Details you need to make a smart decision

1APR: Annual Percentage Rate.  Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 5.99% and 29.99% based upon creditworthiness, loan amounts and term length. Existing BBVA customers may have the opportunity to receive same-day funding upon approval when loan funds are deposited into a BBVA checking account. A late fee will be assessed if payments are not made on time. An unsecured term loan may not be originated for any applicant who has originated or been declined for an unsecured term loan with BBVA within six (6) months of the date of the new application or who currently has two or more active unsecured term loans with BBVA.

Payment Example: A 12 month loan of $2,000 at an APR of 28.99% will result in 12 monthly payments of $193.98.

2Debt Consolidation: The relative benefits you receive from debt consolidation will vary depending on your individual circumstances, including the interest rate and remaining term on your existing debts. Consolidating multiple debts may not reduce your interest costs or pay your debt off sooner. For example, if your Express Personal Loan has a longer term than the debts you are consolidating, you may not realize savings over the entire term of your new Express Personal Loan.

BBVA and BBVA Compass are trade names of BBVA USA, a member of the BBVA Group. BBVA USA, Member FDIC. Rev. 02/2020 / #146489 / NMLS# 402936