BBVA Compass Express Personal Loans


Get affordable borrowing with a personal loan*

You may save thousands with a lower rate than traditional credit cards.**

Consolidate debt or fund large purchases, such as travel, special events, auto repairs, medical expenses or almost any situation when you need cash, with our Express Personal Loan.

Enjoy a competitive low rate and set monthly payments that make budgeting easy and paying off your loan even simpler. Unsecured personal loans range from $2,000 to $35,000 when opened online (up to $100,000 when opened in a branch), with no collateral requirements.

Apply for a personal loan today, and get potential same-day funding upon approval.


Affordable Borrowing

Get the money you need for less with a competitive low rate. If you’re looking to pay off credit cards or other debt, you may save thousands** when you refinance high-interest debt at a lower rate.

Simplified Budgeting

Set monthly payments to make budgeting easier. When you consolidate debt with a personal loan, you can turn multiple monthly payments into a single bill. That’s a shorter “to-do” list for you, and an easier way to keep track of what you owe.

Fast Access to Your Funds

Get potential same-day funding upon loan approval. Application is quick and easy—making it possible for you to secure a loan without all the hassle. 

Loan Rate Discount

Receive a 1.00% interest rate discount for setting up auto-debit loan payments from a BBVA Compass consumer checking account. Want to benefit from this great deal, but don’t have an account? Browse our checking options, and apply for an account online.

View Our Checking Accounts

Comparison Chart

See how an Express Personal Loan can potentially save you thousands

Compare how much you could potentially save in interest payments with an Express Personal Loan vs. a traditional high-interest credit card. The scenario below shows an interest savings of $7,730 in 3 years.

Express Personal Loan High-Interest Credit Cards







Monthly Payment



3 year interest paid, including $120 interest surcharge



Loan Payoff Timeline

36 monthly payments over 3 years

More than 14+ years
assuming no additional charge made to account

Details you need to make a smart decision

*Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 5.91% and 35.06% APR based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Payment example and quoted APRs do not include interest rate discounts, unless otherwise noted. Enrollment in auto-debit loan payments from a BBVA Compass checking account is required to receive a 1.00% interest rate discount and the BBVA Checking Account must be opened prior to the loan being finalized. An unsecured term loan may not be originated for any applicant who has originated or been declined for an unsecured term loan with BBVA Compass within six months of the date of the new application or who currently has two or more active unsecured term loans with BBVA Compass.

Additional Interest Surcharge payable at closing and withheld from proceeds:

  • If loan is between $2,000 - $9,999, then a $60 interest surcharge applies.
  • If loan is $10,000 or greater, then a $120 interest surcharge applies.

You must pay an Interest Surcharge at loan closing. The Surcharge amount will be deducted from your loan proceeds, so the loan proceeds distributed to you will be less than the full amount of your loan.

Payment Example

Offered APR will be between 5.91% and 35.06% APR

  • A 12 month loan of $2000 at an APR of 35.06% will result in 12 monthly payments of $193.98 and an interest surcharge of $60 payable at closing.

**Debt Consolidation: The relative benefits you receive from debt consolidation will vary depending on your individual circumstances, including the interest rate and remaining term on your existing debts. Consolidating multiple debts may not reduce your interest costs or pay your debt off sooner. For example, if your  Express Personal Loan has a longer term than the debts you are consolidating, you may not realize savings over the entire term of your new  Express Personal Loan.

The interest savings represented in this chart are for illustrative purposes only. Calculations in the chart, including the 5.37% APR, are based on a 3-year  Express Personal Loan with a 1% interest rate discount if payments are made automatically from a BBVA Compass checking account, a loan amount of $15,000 and an Interest Surcharge of $120 withheld from the loan proceeds. Credit card calculations assume a $15,000 balance, a minimum payment amount of 4% and a 18.00% APR. To evaluate savings on a loan you are considering, you must compare the actual APR from your existing debt to the APR offered by BBVA Compass. For additional information regarding the  Express Personal Loan terms and conditions, please see the back of the enclosed letter. All loans subject to approval, including credit approval.

BBVA Compass is a trade name of Compass Bank, a member of the BBVA Group. Compass Bank, Member FDIC. Rev. 02/2018 / #146489