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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 Alabama. 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 (Alabama 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 Alabama Branch Locations

There are 87 BBVA Bank Branches in Alabama.
The following is a list of all BBVA Bank Alabama Branch Locations.
MONTGOMERY DOWNTOWN BRANCH Logo
MONTGOMERY DOWNTOWN BRANCH
Address: 60 Commerce Street, Suite 110, Montgomery, Alabama 36104
JASPER MAIN BRANCH Logo
JASPER MAIN BRANCH
Address: 1713 Alabama Avenue, Jasper, Alabama 35501
BBVA USA Logo
BBVA USA
Address: 15 20th Street S, Birmingham, Alabama 35233
EUFAULA MAIN BRANCH Logo
EUFAULA MAIN BRANCH
Address: 223 East Broad Street, Eufaula, Alabama 36027
OXFORD BRANCH Logo
OXFORD BRANCH
Address: 720 Quintard Drive, Oxford, Alabama 36203
DOTHAN MAIN BRANCH Logo
DOTHAN MAIN BRANCH
Address: 1263 West Main Street, Dothan, Alabama 36301
AUBURN MAIN BRANCH Logo
AUBURN MAIN BRANCH
Address: 101 S College St Ste 101, Auburn, Alabama 36830
OPELIKA BRANCH Logo
OPELIKA BRANCH
Address: 315 South Sixth Street, Opelika, Alabama 36801
CLOVERLEAF PLAZA BRANCH Logo
CLOVERLEAF PLAZA BRANCH
Address: 5399 Highway 90 West, Mobile, Alabama 36619
OVERLOOK BRANCH Logo
OVERLOOK BRANCH
Address: 4823 Overlook Road, Mobile, Alabama 36618
SKYLINE BRANCH Logo
SKYLINE BRANCH
Address: 3959 Government Boulevard, Mobile, Alabama 36693
CRICHTON BRANCH Logo
CRICHTON BRANCH
Address: 2901 Springhill Avenue, Mobile, Alabama 36607
DAPHNE BRANCH Logo
DAPHNE BRANCH
Address: 28000 Us Highway 98, Daphne, Alabama 36526
SPANISH FORT BRANCH Logo
SPANISH FORT BRANCH
Address: 6470 Us Highway 90, Spanish Fort, Alabama 36527
GREENO ROAD BRANCH Logo
GREENO ROAD BRANCH
Address: 920 Fairhope Avenue, Fairhope, Alabama 36532
FAIRHOPE MAIN BRANCH Logo
FAIRHOPE MAIN BRANCH
Address: 36 North Section Street, Fairhope, Alabama 36532
ALBERTVILLE BRANCH Logo
ALBERTVILLE BRANCH
Address: 300 West Main Street, Albertville, Alabama 35950
ATHENS MAIN BRANCH Logo
ATHENS MAIN BRANCH
Address: 105 West Green Street, Athens, Alabama 35611
CULLMAN MAIN BRANCH Logo
CULLMAN MAIN BRANCH
Address: 1715 Second Avenue Southwest, Cullman, Alabama 35055
FLORENCE MAIN BRANCH Logo
FLORENCE MAIN BRANCH
Address: 412 North Court Street, Florence, Alabama 35630
FORT PAYNE MAIN BRANCH Logo
FORT PAYNE MAIN BRANCH
Address: 200 Gault Avenue North, Fort Payne, Alabama 35967
GADSDEN MAIN BRANCH Logo
GADSDEN MAIN BRANCH
Address: 601 Broad Street, Gadsden, Alabama 35901
HUNTSVILLE NORTHWEST BRANCH Logo
HUNTSVILLE NORTHWEST BRANCH
Address: 2004 Country Club Avenue, Northwest, Huntsville, Alabama 35816
GOVERNORS DRIVE BRANCH Logo
GOVERNORS DRIVE BRANCH
Address: 114 Governors Drive, Southeast, Huntsville, Alabama 35801
MUSCLE SHOALS BRANCH Logo
MUSCLE SHOALS BRANCH
Address: 606 East Avalon Avenue, Muscle Shoals, Alabama 35661
ONEONTA BRANCH Logo
ONEONTA BRANCH
Address: 300 Second Avenue East, Oneonta, Alabama 35121
SCOTTSBORO BRANCH Logo
SCOTTSBORO BRANCH
Address: 402 East Laurel Street, Scottsboro, Alabama 35768
COX CREEK BRANCH Logo
COX CREEK BRANCH
Address: 210 Cox Creek Parkway, Florence, Alabama 35630
DECATUR BELTLINE BRANCH Logo
DECATUR BELTLINE BRANCH
Address: 2009-C Beltline Road Southwest, Decatur, Alabama 35601
JORDAN LANE BRANCH Logo
JORDAN LANE BRANCH
Address: 1002 Jordan Lane, Northwest, Huntsville, Alabama 35816
HAYSLAND SQUARE BRANCH Logo
HAYSLAND SQUARE BRANCH
Address: 100 Cameron Road, Southwest, Huntsville, Alabama 35802
RAINBOW PLAZA BRANCH Logo
RAINBOW PLAZA BRANCH
Address: 3213 Rainbow Drive, Rainbow City, Alabama 35906
FOREST HILLS BRANCH Logo
FOREST HILLS BRANCH
Address: 3460 Atlanta Highway, Montgomery, Alabama 36109
NORMANDALE BRANCH Logo
NORMANDALE BRANCH
Address: 500 East Patton Avenue, Montgomery, Alabama 36111
EASTDALE MALL BRANCH Logo
EASTDALE MALL BRANCH
Address: 3508 Eastdale Circle, Montgomery, Alabama 36117
VAUGHN PLAZA BRANCH Logo
VAUGHN PLAZA BRANCH
Address: 2811 Eastern Blvd, Montgomery, Alabama 36116
BIRMINGHAM FINANCIAL CENTER BRANCH Logo
BIRMINGHAM FINANCIAL CENTER BRANCH
Address: 505 North 20th Street, Birmingham, Alabama 35203
WESTGATE BRANCH Logo
WESTGATE BRANCH
Address: 1151 Bankhead Highway West, Birmingham, Alabama 35204
MIDFAIR BRANCH Logo
MIDFAIR BRANCH
Address: 7200 Aaron Aronov Drive, Fairfield, Alabama 35064
GREEN SPRINGS BRANCH Logo
GREEN SPRINGS BRANCH
Address: 198 Green Springs Highway, Homewood, Alabama 35209
ROEBUCK BRANCH Logo
ROEBUCK BRANCH
Address: 9208 Parkway East, Birmingham, Alabama 35206
EASTWOOD VILLAGE BRANCH Logo
EASTWOOD VILLAGE BRANCH
Address: 1668 Montclair Road, Birmingham, Alabama 35210
BROOKWOOD BRANCH Logo
BROOKWOOD BRANCH
Address: 501 Shades Creek Parkway, Homewood, Alabama 35209
HOOVER BRANCH Logo
HOOVER BRANCH
Address: 1560 Montgomery Highway, Hoover, Alabama 35216
LEEDS BRANCH Logo
LEEDS BRANCH
Address: 7925 Parkway Drive Southeast, Leeds, Alabama 35094
RIVERCHASE BRANCH Logo
RIVERCHASE BRANCH
Address: 1789 Montgomery Highway, Birmingham, Alabama 35244
WARRIOR BRANCH Logo
WARRIOR BRANCH
Address: 100 Fifth Street East, Warrior, Alabama 35180
UNIVERSITY BRANCH Logo
UNIVERSITY BRANCH
Address: 630 University Boulevard East, Tuscaloosa, Alabama 35401
MARKETPLACE BRANCH Logo
MARKETPLACE BRANCH
Address: 1916 Forestdale Boulevard, Birmingham, Alabama 35214
WIREGRASS BRANCH Logo
WIREGRASS BRANCH
Address: 2936 Montgomery Highway, Dothan, Alabama 36303
MIDCITY BRANCH Logo
MIDCITY BRANCH
Address: 5901 University Drive Nw, Huntsville, Alabama 35806
MOBILE FINANCIAL CENTER BRANCH Logo
MOBILE FINANCIAL CENTER BRANCH
Address: 101 Dauphin Street, Mobile, Alabama 36602
NORTH GAULT BRANCH Logo
NORTH GAULT BRANCH
Address: 2311 Gault Avenue North, Fort Payne, Alabama 35967
ZELDA ROAD BRANCH Logo
ZELDA ROAD BRANCH
Address: 2760 Zelda Road, Montgomery, Alabama 36106
CRESTLINE BRANCH Logo
CRESTLINE BRANCH
Address: 229 Country Club Park, Mountain Brook, Alabama 35213
SUMITON BRANCH Logo
SUMITON BRANCH
Address: 95 Hull Road, Sumiton, Alabama 35148
WHITESBURG BRANCH Logo
WHITESBURG BRANCH
Address: 4806 Whitesburg Drive, Southeast, Huntsville, Alabama 35802
VILLAGE PLAINS BRANCH Logo
VILLAGE PLAINS BRANCH
Address: 1433 Opelika Road, Auburn, Alabama 36830
NORTHPORT BRANCH Logo
NORTHPORT BRANCH
Address: 1400 Mcfarland Boulevard, Northport, Alabama 35476
SULLIVAN STREET BRANCH Logo
SULLIVAN STREET BRANCH
Address: 3735 Sullivan Street, Madison, Alabama 35758
TRUSSVILLE BRANCH Logo
TRUSSVILLE BRANCH
Address: 5990 Chalkville Mountain Road, Trussville, Alabama 35173
WILDWOOD BRANCH Logo
WILDWOOD BRANCH
Address: 201 State Farm Parkway, Birmingham, Alabama 35209
PELHAM BRANCH Logo
PELHAM BRANCH
Address: 3080 Pelham Parkway, Pelham, Alabama 35124
COTTAGE HILL BRANCH Logo
COTTAGE HILL BRANCH
Address: 2290 Hillcrest Road, Mobile, Alabama 36695
SPRINGHILL BRANCH Logo
SPRINGHILL BRANCH
Address: 4414 Old Shell Rd, Mobile, Alabama 36608
VALLEYDALE BRANCH Logo
VALLEYDALE BRANCH
Address: 2641 Valleydale Road, Hoover, Alabama 35244
UAB BRANCH Logo
UAB BRANCH
Address: 707 Richard Arrington Jr Blvd S Ste 108, Birmingham, Alabama 35233
ATHENS EAST BRANCH Logo
ATHENS EAST BRANCH
Address: 1003 Highway 72 East, Athens, Alabama 35611
EUFAULA SQUARE BRANCH Logo
EUFAULA SQUARE BRANCH
Address: 1009 South Eufaula Avenue, Eufaula, Alabama 36027
EIGHT MILE BRANCH Logo
EIGHT MILE BRANCH
Address: 4565 Saint Stephens Road, Prichard, Alabama 36613
MOBILE REGENCY BRANCH Logo
MOBILE REGENCY BRANCH
Address: 4685 Airport Boulevard, Mobile, Alabama 36608
DAUPHIN ISLAND PARKWAY BRANCH Logo
DAUPHIN ISLAND PARKWAY BRANCH
Address: 2607 Dauphin Island Parkway, Mobile, Alabama 36605
CHICKASAW BRANCH Logo
CHICKASAW BRANCH
Address: 365 North Craft Highway, Chickasaw, Alabama 36611
JACKSONVILLE SQUARE BRANCH Logo
JACKSONVILLE SQUARE BRANCH
Address: 817 South Pelham Road, Jacksonville, Alabama 36265
ANNISTON BRANCH Logo
ANNISTON BRANCH
Address: 801 Noble Street, Anniston, Alabama 36201
MCFARLAND BRANCH Logo
MCFARLAND BRANCH
Address: 2390 Mcfarland Boulevard East, Tuscaloosa, Alabama 35404
INVERNESS BRANCH Logo
INVERNESS BRANCH
Address: 104 Inverness Plaza, Birmingham, Alabama 35242
31 & VALLEYDALE BRANCH Logo
31 & VALLEYDALE BRANCH
Address: 1950 Highway 31 South, Birmingham, Alabama 35244
CAHABA HEIGHTS BRANCH Logo
CAHABA HEIGHTS BRANCH
Address: 3960 Crosshaven Drive, Birmingham, Alabama 35243
LEE BRANCH Logo
LEE BRANCH
Address: 105 Doug Baker Boulevard, Birmingham, Alabama 35242
CORNERSTONE BRANCH Logo
CORNERSTONE BRANCH
Address: 7870 Vaughn Road, Montgomery, Alabama 36116
DOTHAN WEST BRANCH Logo
DOTHAN WEST BRANCH
Address: 2872 West Main Street, Dothan, Alabama 36305
HOMEWOOD BRANCH Logo
HOMEWOOD BRANCH
Address: 1908 29th Avenue South, Homewood, Alabama 35209
CRAFT FARMS BRANCH Logo
CRAFT FARMS BRANCH
Address: 3830 Gulf Shores Parkway, Gulf Shores, Alabama 36542
THE GROVE AT 150 BRANCH Logo
THE GROVE AT 150 BRANCH
Address: 5576 Grove Boulevard, Hoover, Alabama 35226
BEL AIR BRANCH Logo
BEL AIR BRANCH
Address: 321 Bel Air Boulevard, Mobile, Alabama 36606
DECATUR MAIN BRANCH Logo
DECATUR MAIN BRANCH
Address: 404 Well Street Northeast, Decatur, Alabama 35601