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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 California. 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 (California 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 California Branch Locations

There are 58 BBVA Bank Branches in California.
The following is a list of all BBVA Bank California Branch Locations.
PERRIS BRANCH Logo
PERRIS BRANCH
Address: 211 East 4th Street, Perris, California 92570
WOODCREST BRANCH Logo
WOODCREST BRANCH
Address: 16920 Van Buren Boulevard, Riverside, California 92504
GRAND TERRACE BRANCH Logo
GRAND TERRACE BRANCH
Address: 22729 Barton Road, Grand Terrace, California 92324
MANTECA BRANCH Logo
MANTECA BRANCH
Address: 201 North Main St, Manteca, California 95336
PARKWOODS BRANCH Logo
PARKWOODS BRANCH
Address: 2427 West Hammer Lane, Stockton, California 95209
TRACEY BRANCH Logo
TRACEY BRANCH
Address: 1070 N. Tracy Blvd, Tracy, California 95376
PACIFIC BRANCH Logo
PACIFIC BRANCH
Address: 2562 Pacific Ave, Stockton, California 95204
VINEYARD BRANCH Logo
VINEYARD BRANCH
Address: 1150 W. Kettleman Ln., Lodi, California 95240
MARCH LANE BRANCH Logo
MARCH LANE BRANCH
Address: 2287 W. March Ln, Stockton, California 95207
Modesto Lakes Branch Logo
Modesto Lakes Branch
Address: 2601 Oakdale Rd, Modesto, California 95355
CHURCH STREET BRANCH Logo
CHURCH STREET BRANCH
Address: 200 N. Church Street, Lodi, California 95240
SONORA BRANCH Logo
SONORA BRANCH
Address: 13755-A Mono Way, Sonora, California 95370
MERCED BRANCH Logo
MERCED BRANCH
Address: 3065 G St, Merced, California 95340
ATWATER BRANCH Logo
ATWATER BRANCH
Address: 1329 Broadway Ave, Atwater, California 95301
FRESNO BRANCH Logo
FRESNO BRANCH
Address: 1015 West Shaw Avenue, Fresno, California 93711
TYLER BRANCH Logo
TYLER BRANCH
Address: 3600 Tyler Street, Riverside, California 92503
SUN CITY BRANCH Logo
SUN CITY BRANCH
Address: 28031 Bradley Road, Sun City, California 92586
CANYON CREST BRANCH Logo
CANYON CREST BRANCH
Address: 5395 Canyon Crest Dr, Riverside, California 92507
HEMET WEST BRANCH Logo
HEMET WEST BRANCH
Address: 3989 West Florida Avenue, Hemet, California 92545
E FLORIDA AVE BRANCH Logo
E FLORIDA AVE BRANCH
Address: 4100 E Florida Ave, Hemet, California 92544
HARDMAN CENTER BRANCH Logo
HARDMAN CENTER BRANCH
Address: 5242 Arlington Avenue, Riverside, California 92504
CANYON LAKE BRANCH Logo
CANYON LAKE BRANCH
Address: 31740 Railroad Canyon Road, Canyon Lake, California 92587
MURRIETA BRANCH Logo
MURRIETA BRANCH
Address: 40780 California Oaks Road, Murrieta, California 92562
VISTA BRANCH Logo
VISTA BRANCH
Address: 961 S. Santa Fe Avenue, Vista, California 92083
OCEANSIDE BRANCH Logo
OCEANSIDE BRANCH
Address: 815 Mission Avenue, Oceanside, California 92054
JACKSON BRANCH Logo
JACKSON BRANCH
Address: 12200 Industry Blvd, Martell, California 95654
NORTH MCHENRY BRANCH Logo
NORTH MCHENRY BRANCH
Address: 3013 Mchenry Ave., Modesto, California 95350
REDWOOD CITY BRANCH Logo
REDWOOD CITY BRANCH
Address: 660 Woodside Rd, Redwood City, California 94061
CAMPBELL  BRANCH Logo
CAMPBELL BRANCH
Address: 70 West Hamilton Avenue, Campbell, California 95008
FREMONT BRANCH Logo
FREMONT BRANCH
Address: 39350 Fremont Blvd, Fremont, California 94538
SACRAMENTO BRANCH Logo
SACRAMENTO BRANCH
Address: 2277 Watt Avenue, Sacramento, California 95825
CONCORD BRANCH Logo
CONCORD BRANCH
Address: 5100 Clayton Road, Concord, California 94521
DESERT HOT SPRINGS BRANCH Logo
DESERT HOT SPRINGS BRANCH
Address: 66565 Pierson Blvd., Desert Hot Springs, California 92240
ELK GROVE BRANCH Logo
ELK GROVE BRANCH
Address: 9150 Elk Grove Florin Road, Elk Grove, California 95624
STOCKTON MAIN STREET BRANCH Logo
STOCKTON MAIN STREET BRANCH
Address: 202 N Hunter Street, Stockton, California 95202
BURLINGAME BRANCH Logo
BURLINGAME BRANCH
Address: 1801 El Camino Real, Burlingame, California 94010
LYNWOOD BRANCH Logo
LYNWOOD BRANCH
Address: 10905 Atlantic Avenue, Lynwood, California 90262
PALM SPRINGS BRANCH Logo
PALM SPRINGS BRANCH
Address: 420 South Palm Canyon Dr, Palm Springs, California 92262
WALNUT CREEK BRANCH Logo
WALNUT CREEK BRANCH
Address: 1101 S California Blvd, Walnut Creek, California 94596
TEMECULA BRANCH Logo
TEMECULA BRANCH
Address: 40440 Margarita Road, Temecula, California 92591
LINCOLN BRANCH Logo
LINCOLN BRANCH
Address: 701 Sterling Parkway, Lincoln, California 95648
Carlsbad Branch Logo
Carlsbad Branch
Address: 3231 Camino De Los Coches, Carlsbad, California 92009
SUNNYVALE BRANCH Logo
SUNNYVALE BRANCH
Address: 205 South Mathilda Avenue, Sunnyvale, California 94086
MIKA MESA BRANCH Logo
MIKA MESA BRANCH
Address: 10678 Westview Pkwy, San Diego, California 92126
LIVERMORE BRANCH Logo
LIVERMORE BRANCH
Address: 1887 1st St, Livermore, California 94550
ROSEVILLE BRANCH Logo
ROSEVILLE BRANCH
Address: 8777 Sierra College Blvd, Roseville, California 95661
STOCKDALE HIGHWAY BRANCH Logo
STOCKDALE HIGHWAY BRANCH
Address: 8500 Stockdale Hwy, Bakersfield, California 93311
CLOVIS BRANCH Logo
CLOVIS BRANCH
Address: 442 N Clovis Ave, Clovis, California 93611
MORENO BRANCH Logo
MORENO BRANCH
Address: 24010 Sunnymead Boulevard, Moreno Valley, California 92553
CORONA BRANCH Logo
CORONA BRANCH
Address: 195 West Ontario Avenue, Corona, California 92882
ESCALON BRANCH Logo
ESCALON BRANCH
Address: 3380 Mchenry Avenue, Escalon, California 95320
IDYLLWILD BRANCH Logo
IDYLLWILD BRANCH
Address: 54355 Ridgeview Drive, Idyllwild, California 92549
INDIO BRANCH Logo
INDIO BRANCH
Address: 81020 Highway 111, Indio, California 92201
PALM DESERT BRANCH Logo
PALM DESERT BRANCH
Address: 72625 Highway 111, Palm Desert, California 92260
SAN CARLOS BRANCH Logo
SAN CARLOS BRANCH
Address: 796 El Camino Real, San Carlos, California 94070
Temecula Creek Branch Logo
Temecula Creek Branch
Address: 31117 Temecula Pkwy, Temecula, California 92592
TURLOCK BRANCH Logo
TURLOCK BRANCH
Address: 1955 Geer Rd, Turlock, California 95382
RANCHO BERNARDO BRANCH Logo
RANCHO BERNARDO BRANCH
Address: 12405-B Rancho Bernardo Road, San Diego, California 92128