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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 Colorado. 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.

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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 (Colorado 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 Colorado Branch Locations

There are 36 BBVA Bank Branches in Colorado.
The following is a list of all BBVA Bank Colorado Branch Locations.
112TH & HURON BRANCH Logo
112TH & HURON BRANCH
Address: 11210 Huron Street, Northglenn, Colorado 80234
ENGLEWOOD BRANCH Logo
ENGLEWOOD BRANCH
Address: 8100 East Arapahoe Road, Centennial, Colorado 80112
CHERRY CREEK BRANCH Logo
CHERRY CREEK BRANCH
Address: 101 Garfield Street, Denver, Colorado 80206
LOVELAND BRANCH Logo
LOVELAND BRANCH
Address: 5275 Mcwhinney Boulevard, Loveland, Colorado 80538
LAFAYETTE BRANCH Logo
LAFAYETTE BRANCH
Address: 1200 West South Boulder Road, Lafayette, Colorado 80026
FORT COLLINS BRANCH Logo
FORT COLLINS BRANCH
Address: 3131 South College Avenue, Fort Collins, Colorado 80525
DENVER TECH CENTER BRANCH Logo
DENVER TECH CENTER BRANCH
Address: 8101 E Belleview Ave, Suite A10, Denver, Colorado 80237
Downtown Denver Branch Logo
Downtown Denver Branch
Address: 999 18th St, Denver, Colorado 80202
LONGMONT BRANCH Logo
LONGMONT BRANCH
Address: 1849 North Main Street, Longmont, Colorado 80501
ARVADA BRANCH Logo
ARVADA BRANCH
Address: 7375 Ralston Road, Arvada, Colorado 80002
PARKER BRANCH Logo
PARKER BRANCH
Address: 11239 South Pikes Peak Drive, Parker, Colorado 80138
COLORADO SPRINGS BRANCH Logo
COLORADO SPRINGS BRANCH
Address: 2805 Dublin Boulevard, Colorado Springs, Colorado 80918
Boulder Branch Logo
Boulder Branch
Address: 3000 Arapahoe Ave, Boulder, Colorado 80303
LODO BRANCH Logo
LODO BRANCH
Address: 1401 17th St, Denver, Colorado 80202
NORTH FEDERAL BRANCH Logo
NORTH FEDERAL BRANCH
Address: 4988 Federal Boulevard, Denver, Colorado 80221
MONACO BRANCH Logo
MONACO BRANCH
Address: 777 South Monaco Parkway, Denver, Colorado 80224
WEST HIGHLAND BRANCH Logo
WEST HIGHLAND BRANCH
Address: 3804 West 32nd Avenue, Denver, Colorado 80211
SOUTH BROADWAY BRANCH Logo
SOUTH BROADWAY BRANCH
Address: 4600 S Broadway, Englewood, Colorado 80113
Northglenn Branch Logo
Northglenn Branch
Address: 480 E 120th Ave, Northglenn, Colorado 80233
WESTMINISTER BRANCH Logo
WESTMINISTER BRANCH
Address: 7347 Federal Boulevard, Westminster, Colorado 80030
BROADWAY BRANCH Logo
BROADWAY BRANCH
Address: 800 Broadway, Denver, Colorado 80203
Westwoods Branch Logo
Westwoods Branch
Address: 6450 Indiana Street, Arvada, Colorado 80007
CASTLE PINES BRANCH Logo
CASTLE PINES BRANCH
Address: 568 East Castle Pines Parkway, Castle Rock, Colorado 80108
Smoky Hill & Himalaya Branch Logo
Smoky Hill & Himalaya Branch
Address: 20299 East Smoky Hill Road, Centennial, Colorado 80015
Park Meadows Branch Logo
Park Meadows Branch
Address: 9001 Kimmer Dr, Lone Tree, Colorado 80124
80th & Wadsworth Branch Logo
80th & Wadsworth Branch
Address: 8008 Yarrow Street, Arvada, Colorado 80005
EAGLE BEND BRANCH Logo
EAGLE BEND BRANCH
Address: 22795 East Aurora Parkway, Aurora, Colorado 80016
WILDCAT RESERVE BRANCH Logo
WILDCAT RESERVE BRANCH
Address: 4016 Red Cedar Drive, Highlands Ranch, Colorado 80126
HAVANA & FLORIDA BRANCH Logo
HAVANA & FLORIDA BRANCH
Address: 1595 South Havana Street, Aurora, Colorado 80012
GREELEY BRANCH Logo
GREELEY BRANCH
Address: 3501 West 12th Street, Greeley, Colorado 80634
PARK HILL BRANCH Logo
PARK HILL BRANCH
Address: 4115 East Colfax Avenue, Denver, Colorado 80220
TEJON BRANCH Logo
TEJON BRANCH
Address: 102 South Tejon Street, Suite 101, Colorado Springs, Colorado 80903
98th and Grant Branch Logo
98th and Grant Branch
Address: 9801 Grant St, Thornton, Colorado 80229
I-70 & TOWER BRANCH Logo
I-70 & TOWER BRANCH
Address: 3491 North Salida Street, Aurora, Colorado 80011
REUNION BRANCH Logo
REUNION BRANCH
Address: 15580 East 104th Avenue, Commerce City, Colorado 80022
Harmony Banking Center Branch Logo
Harmony Banking Center Branch
Address: 2640 E Harmony Rd, Fort Collins, Colorado 80528