Make your plans happen at your own pace, with installments that fit your budget.

The BBVA Personal Loan was designed for those seeking convenience in everyday life, offering flexible amounts and clear conditions for different financial needs.

This type of credit can help organize your finances, support important projects, or create room to fulfill plans that have been waiting for the right time.

With fixed rates and accessible terms, it brings the peace of mind of knowing exactly how much will be paid, with no complications or unexpected surprises along the way.

Now it is your turn to discover the BBVA Personal Loan! Find out how to turn your plans into achievements in a simple, fast, and fully reliable way!

Discover the BBVA Personal Loan: fixed payments, 100% online contracting

The BBVA Personal Loan belongs to BBVA Mexico, one of the largest and most solid banks in Latin America, recognized for its long history and credibility.

It is possible to apply for amounts ranging from smaller sums for immediate needs up to nearly MXN $1.5 million, adapting to different customer profiles.

The institution has broad international experience and a consolidated presence in the Mexican market, providing confidence for those who want to obtain credit with safety and transparency.

People seek the BBVA Personal Loan for its combination of trust, clear conditions, fixed payments, and the practicality of a fully online process, with no bureaucracy.

Types of loans provided by BBVA

From the BBVA Personal Loan to business solutions, the different credit products offered by BBVA were developed to meet every need.

Each type has its own features that help customers reach their goals, whether to handle emergencies, plan purchases, invest in business, or achieve dreams.

Personal Loan

The BBVA Personal Loan offers flexible terms and fixed rates, allowing each person to find balance between the amount requested and their monthly budget.

With this credit, it is possible to plan renovations, trips, or even pay off old debts, all in a simple way without complications or guarantees.

Payments remain stable from the beginning to the end of the contract, giving the customer security by knowing exactly how much each installment will be.

In addition, the application can be completed online in just minutes, granting immediate access to funds and bringing convenience to the borrower’s daily routine.

Payroll Loan

The payroll loan is designed for those who receive their salary directly into a BBVA account, granting quick access to loans with special conditions and reduced rates.

This option adapts to the worker’s income, offering amounts proportional to their paycheck deposit and ensuring organized repayment.

No guarantor is needed, making the process simple and designed to provide liquidity without straining the budget, keeping personal finances under control.

It is also an excellent alternative for those seeking recurring credit with easy approval, making the most of the trust relationship with the bank.

Deferred Purchases with Debit Card

This option allows you to split a one-time debit card purchase into fixed installments, giving more time and flexibility in personal financial planning.

The customer makes the purchase normally, and BBVA converts the amount into divided payments, making money management easier throughout the months.

It is ideal for unexpected expenses or larger purchases, since it provides extra breathing room without depleting the entire account balance at once.

With this solution, the customer maintains control of the budget and can spread out specific expenses in predictable installments, ensuring greater financial organization.

Salary Advance

The salary advance works as a practical and immediate anticipation of upcoming income, helping in emergencies or short-term unexpected needs.

With this product, the customer accesses part of their paycheck before the official date, avoiding more expensive and less advantageous credit alternatives.

It is a no-bureaucracy option, usually available digitally, that deposits the requested amount directly into the account within moments of approval.

Additionally, it does not create complications with long installments, since repayment is deducted directly from the next paycheck, keeping everything simple and transparent.

Auto Loan

The BBVA Auto Loan is designed to finance new or used cars, allowing customers to make the purchase with accessible terms and competitive interest rates.

This type of financing helps turn the dream of owning a car into reality, without having to fully compromise available income.

Monthly payments are fixed, providing predictability and financial security, along with the possibility of choosing terms that match each customer’s capacity.

Approval is usually fast and practical, ensuring that the car purchase process moves smoothly, bringing comfort and confidence to the buyer.

Mortgage Loan

The mortgage loan offers special conditions for buying, building, or renovating property, making it one of the most robust products in BBVA’s portfolio.

This financing can reach high amounts, allowing the customer to acquire their own home, invest in assets, or modernize their residence with financial peace of mind.

Terms are extended, with competitive rates, and the institution provides security throughout the entire process, offering support and transparency every step of the way.

There are also alternatives such as mortgage portability or liquidity based on property value, making it a flexible and strategic solution for families.

Sustainable Home Financing

This product is aimed at those who want to invest in sustainable home improvements, with special rates to encourage energy-efficient and environmentally friendly practices.

With each application, the customer commits to using part of the funds on sustainable items, such as solar panels, efficient heaters, or smart windows.

This initiative combines environmental responsibility with financial benefits, since besides special conditions, it can reduce fixed household expenses in the long run.

BBVA’s sustainable financing reflects a commitment to the future, encouraging conscious choices that bring immediate comfort and contribute positively to the environment.

Business Solutions

Business solutions are created to support companies of different sizes, from small entrepreneurs to corporations that require large amounts of capital.

The portfolio includes credit lines for working capital, project expansion financing, digital solutions, and even options aimed at the agricultural sector.

Each product can be adjusted according to the business’s characteristics, providing flexibility and security to invest without compromising financial health.

BBVA supports entrepreneurs in reaching their goals, expanding growth opportunities, and establishing itself as a strategic partner in Mexico’s corporate sector.

Specialized Financing

BBVA’s specialized financing is aimed at high-income clients, offering solutions for wealth needs, investments, or large personal projects.

The BBVA Personal Loan is also included here as a personalized alternative, ensuring special conditions and exclusive service for more demanding customers.

Products include auto loans, mortgages, and tailored lines of credit, creating a complete banking experience focused on each client’s individuality.

This model conveys sophistication and trust, offering not only credit but also financial consulting, positioning the bank as a reference in wealth management.

Eligibility requirements for the BBVA Personal Loan

To apply for the BBVA Personal Loan, you must meet a few simple requirements that ensure security, clarity, and suitability to the credit conditions offered.

• Be at least 18 years old, presenting a valid official ID, such as INE or passport.
  
• Provide a recent proof of address, issued within three months, confirming residence in Mexico.
  
• Show proof of stable income, such as a pay stub, receipts, or tax declaration, demonstrating adequate repayment capacity.
  
• Have a positive credit history in the banking system, increasing approval chances for the requested amount.
  

By meeting these criteria, the customer can apply for the BBVA Personal Loan easily, digitally, and with conditions tailored to their financial profile.

Step by Step to apply for the BBVA Personal Loan

Learn how to apply for your credit in just a few minutes, with simple and fully digital steps, from registration to fund release.

• Access the BBVA app or website, log in, and select the Personal Loan option.
  
• Simulate amounts, terms, and installments, and check the rates and estimated total cost before continuing.
  
• Submit the requested documents and confirm your personal and banking information for quick credit analysis.
  
• Review the final conditions, accept the electronic contract, and track the deposit directly into your account.
  

Done! By following these steps, you complete the application safely and conveniently, receiving the approved amount without bureaucracy.

Applicable fees for the BBVA Personal Loan

Specific fees are part of the BBVA Personal Loan to guarantee clarity and predictability throughout the contract, helping the customer plan their payments.

Understanding each of these fees is essential to properly evaluate the credit, compare available options, and make safe, well-informed financial decisions.

Annual Interest Rate

The annual interest rate at BBVA is fixed, ranging from 25.75% to 39.95%, applied directly to the total amount requested by the customer.

For example, on a MXN $300,000 loan with a 30% rate, annual interest would be MXN $90,000, totaling MXN $390,000 for the year.

This predictability allows for calm planning, since the rate does not change during the entire term of the signed contract.

The BBVA Personal Loan provides clarity in this regard, helping the customer choose terms more suited to their monthly budget, with no future surprises.

Contracting Fee

The contracting fee is 2.75% of the requested amount, charged once at the moment the loan is formalized.

For example, if the customer applies for MXN $300,000, the fee will be MXN $8,250, added to the initial cost right at contracting.

This amount covers the bank’s administrative expenses related to credit analysis and approval, making it part of the mandatory costs of the product.

Although unavoidable, this fee is communicated transparently, ensuring the customer knows exactly how much will be paid from the very beginning.

Total Annual Cost (CAT)

The Total Annual Cost (CAT) is an indicator that includes interest and fees, showing in a standardized way the real yearly cost of the credit.

For a MXN $300,000 loan with a 33.4% CAT, the annual cost would be approximately MXN $100,200, in addition to the principal.

This index makes it easier to compare different loan offers, helping the customer choose the fairest and most appropriate option for their profile.

BBVA’s CAT provides greater clarity, allowing the customer to know in advance the total financial impact of the contracted operation.

Value Added Tax (VAT)

VAT is applied on interest and fees, adding an extra cost that must be considered in the financial planning of the loan.

For example, on a MXN $300,000 loan with MXN $90,000 in interest and MXN $8,250 in fees, VAT would apply to these amounts.

This tax slightly increases the final cost, without changing the interest rate, but must be calculated to avoid surprises in the budget.

With the BBVA Personal Loan, considering VAT from the start ensures that the final contracted value truly fits within the customer’s financial conditions.

Conclusion

The BBVA Personal Loan has shown how flexibility, clarity, and security can turn plans into reality, offering different possibilities to manage finances.

With accessible conditions, the customer can view costs, choose comfortable terms, and keep predictability in each installment, without worrying about surprises in the contract.

In addition, BBVA’s credibility brings confidence for those seeking responsible credit, ensuring digital convenience and full support at every stage of the application.

Liked it? Want to explore even more alternatives? Then check out the article below about the Kueski Personal Loan and discover another practical option for your plans.