Our Rating: 75%

★★★★★
★★★★★

BBVA Bank Personal Loan Review

Loan Amount:
$2,000 - $3,500
Minimum Credit Score:
n/a
APRs From:
5.99% - 29.99%
Funding Speed:
Same day funding available

Bricks-and-mortar bank BBVA has branches across the Sun Belt in 7 states including Florida. BBVA offers most banking products, including deposit accounts, credit cards, loans, mortgages, investment accounts, and personal loans. In this article, we will offer insight into BBVA's unsecured loan product and give some pointers to keep in mind while applying.

Check your pre-qualified personal loan rates online now.

BBVA USA Personal Loan Overview

Pros:

  • Low APRs: With a minimum interest rate of 5.99%, BBVA personal loan interest rates are competitive compared to industry competitors. Keep in mind that only the most creditworthy borrowers will qualify for this low rate.
  • Prequalify with a soft credit pull: BBVA offers a prequalification process to view your pre-approved rates without affecting your credit score
  • Rate discount available: When getting your loan, if you enroll in auto payments you may qualify to lower your APR by 1%.
  • Quick Funding: With BBVA, your personal loan could be approved, finalized, and funded all within the same day.

 

Cons:

  • Applying online requires an invitation: In order to apply for your personal loan online, you need to have an invitation code. This code is provided by BBVA via mail or email.
  • Smaller maximum loan amount: With a maximum loan amount of $35,000 for online personal loans, BBVA max loan amounts are on the lower end of the spectrum compared to industry competitors.
  • Discount for BBVA customers only: In order to be eligible for the rate discount, borrowers must be existing BBVA bank memebers.

BBVA Personal Loan Requirements

There is no minimum credit score requirement for a BBVA personal loan. However, the lowest APRs and highest loan amounts will only be available for higher credit borrowers.

With a maximum online loan amount of $35,000, borrowers interested in borrowing more than that can apply at a branch or by phone for the opportunity to borrow up to $100,000.

 

Individuals who have had a BBVA personal loan in the past 6 months or who have been turned down for a BBVA personal loan in the past 6 months are not eligible.

Get Pre-Qualified for a Personal Loan Today
What loan amount would you look to borrow?
Loan Amount $


How to Apply for a BBVA Personal Loan

In order to apply for a BBVA personal loan online, you must have a BBVA express personal loan reservation code.  This code is sent out to consumers through mail or email.

If you have your BBVA express personal loan reservation code, take the following steps to apply for your personal loan.

  1. Visit the BBVA Express personal Loan portal.
  2. Click the button labeled "Respond to a Reservation".
  3. Enter your reservation code.
  4. Provide some personal information. This is a prequalification, meaning checking your rates will not affect your credit score.
  5. If you like the offers you are presented, you may formally apply, after formally applying, BBVA may conduct a hard credit check which can affect your credit score.
  6. Finalize the loan by inputting the bank account you want the loan deposited into and agreeing to the final terms.
  7. Get your money into your account as soon as the same day.

 

If you do not have a BBVA Express reservation code, you can call or visit a BBVA Branch to apply for a BBVA personal loan. Below are the steps to getting a BBVA personal loan.

  1. Call 1-800-239-1009 or visit a local BBVA branch (Florida branch locations are listed below).
  2. Provide personal information to prequalify.
  3. If you like the terms of the offer, you can finalize your loan process and get your loan funded within the same day.

 

BBVA Bank Florida Branch Locations

There are 43 BBVA Bank Branches in Florida.
The following is a list of all BBVA Bank Florida Branch Locations.
KEYSTONE HEIGHTS BRANCH Logo
KEYSTONE HEIGHTS BRANCH
Address: 200 South Lawrence Boulevard, Keystone Heights, Florida 32656
ELGIN PARKWAY BRANCH Logo
ELGIN PARKWAY BRANCH
Address: 198 Eglin Parkway, N.E., Fort Walton Beach, Florida 32548
34TH STREET BRANCH Logo
34TH STREET BRANCH
Address: 2814 Southwest 34th Street, Gainesville, Florida 32608
ARGYLE BRANCH Logo
ARGYLE BRANCH
Address: 8430 Blanding Boulevard, Jacksonville, Florida 32244
MANDARIN BRANCH Logo
MANDARIN BRANCH
Address: 9550 San Jose Boulevard, Jacksonville, Florida 32257
JACKSONVILLE BEACH BRANCH Logo
JACKSONVILLE BEACH BRANCH
Address: 2300 South Third Street, Jacksonville, Florida 32250
DEERWOOD BRANCH Logo
DEERWOOD BRANCH
Address: 8730 Baymeadows Road, Jacksonville, Florida 32256
FORT CAROLINE BRANCH Logo
FORT CAROLINE BRANCH
Address: 3560 University Boulevard North, Jacksonville, Florida 32277
FERNANDINA BEACH BRANCH Logo
FERNANDINA BEACH BRANCH
Address: 1742 South Eighth Street, Fernandina Beach, Florida 32034
PARK AVENUE BRANCH Logo
PARK AVENUE BRANCH
Address: 2183 Park Avenue, Orange Park, Florida 32073
GATE PARKWAY BRANCH Logo
GATE PARKWAY BRANCH
Address: 10060 Skinner Lake Drive, Jacksonville, Florida 32246
MIDDLEBURG BRANCH Logo
MIDDLEBURG BRANCH
Address: 2380 Blanding Boulevard, Middleburg, Florida 32068
EDGEWOOD BRANCH Logo
EDGEWOOD BRANCH
Address: 1090 South Edgewood Avenue, Jacksonville, Florida 32205
MAIN STREET BRANCH Logo
MAIN STREET BRANCH
Address: 1140 North Main Street, Gainesville, Florida 32601
MILLHOPPER BRANCH Logo
MILLHOPPER BRANCH
Address: 2201 Northwest 43rd Street, Gainesville, Florida 32605
OAKS BRANCH Logo
OAKS BRANCH
Address: 5901 West Newberry Road, Gainesville, Florida 32605
SAINT AUGUSTINE BRANCH Logo
SAINT AUGUSTINE BRANCH
Address: 1695 U.S. Highway 1 S, Saint Augustine, Florida 32084
JACKSONVILLE LAKEWOOD BRANCH Logo
JACKSONVILLE LAKEWOOD BRANCH
Address: 5992 Saint Augustine Road, Jacksonville, Florida 32207
DESTIN MIDBAY BRANCH Logo
DESTIN MIDBAY BRANCH
Address: 34905 Emerald Coast Parkway, Destin, Florida 32541
Niceville Branch Logo
Niceville Branch
Address: 1130 John Sims Pkwy E, Niceville, Florida 32578
CRESTVIEW BRANCH Logo
CRESTVIEW BRANCH
Address: 728 Ferdon Boulevard North, Crestview, Florida 32536
RACETRACK BRANCH Logo
RACETRACK BRANCH
Address: 101 Racetrack Road Northwest, Fort Walton Beach, Florida 32547
ANASTASIA ISLAND BRANCH Logo
ANASTASIA ISLAND BRANCH
Address: 3805 A1a South, Saint Augustine, Florida 32080
FOREST OAKS BRANCH Logo
FOREST OAKS BRANCH
Address: 7205 Forest Oaks Boulevard, Spring Hill, Florida 34606
JACKSONVILLE REGENCY BRANCH Logo
JACKSONVILLE REGENCY BRANCH
Address: 299 Monument Road, Jacksonville, Florida 32225
SEVEN HILLS BRANCH Logo
SEVEN HILLS BRANCH
Address: 401 Mariner Boulevard, Spring Hill, Florida 34609
ORANGE PARK BRANCH Logo
ORANGE PARK BRANCH
Address: 536 Blanding Boulevard, Orange Park, Florida 32073
NORTHSIDE BRANCH Logo
NORTHSIDE BRANCH
Address: 1036-2 Dunn Avenue, Jacksonville, Florida 32218
NORTH DAVIS BRANCH Logo
NORTH DAVIS BRANCH
Address: 6701 North Davis Highway, Pensacola, Florida 32504
FAIRFIELD BRANCH Logo
FAIRFIELD BRANCH
Address: 4395 West Fairfield Drive, Pensacola, Florida 32505
GULF BREEZE BRANCH Logo
GULF BREEZE BRANCH
Address: 1170 Gulf Breeze Parkway, Gulf Breeze, Florida 32561
ENSLEY BRANCH Logo
ENSLEY BRANCH
Address: 8890 Pensacola Boulevard, Pensacola, Florida 32534
SAN PABLO BRANCH Logo
SAN PABLO BRANCH
Address: 14381 Beach Boulevard, Jacksonville, Florida 32250
PADDOCK PARK BRANCH Logo
PADDOCK PARK BRANCH
Address: 2620 Sw 19th Avenue Rd, Ocala, Florida 34471
AMELIA ISLAND BRANCH Logo
AMELIA ISLAND BRANCH
Address: 4800 First Coast Hwy Ste 200, Amelia Island, Florida 32034
PONTE VEDRA BRANCH Logo
PONTE VEDRA BRANCH
Address: 155 Corridor Road, Ponte Vedra Beach, Florida 32082
FLEMING ISLAND BRANCH Logo
FLEMING ISLAND BRANCH
Address: 1500 County Road 220, Fleming Island, Florida 32003
CORDOVA BRANCH Logo
CORDOVA BRANCH
Address: 5055 Bayou Boulevard, Pensacola, Florida 32503
HEATHBROOK BRANCH Logo
HEATHBROOK BRANCH
Address: 5500 Sw College Road, Ocala, Florida 34474
JACKSONVILLE SOUTHSIDE BRANCH Logo
JACKSONVILLE SOUTHSIDE BRANCH
Address: 3740 Beach Blvd, Jacksonville, Florida 32207
MARICAMP BRANCH Logo
MARICAMP BRANCH
Address: 3620 Southeast Maricamp Road, Ocala, Florida 34480
INVERNESS EAST GULF BRANCH Logo
INVERNESS EAST GULF BRANCH
Address: 2875 East Gulf To Lake Highway, Inverness, Florida 34453
JULINGTON CREEK BRANCH Logo
JULINGTON CREEK BRANCH
Address: 120 Bartram Oaks Walk, Saint Johns, Florida 32259