Skip to content . Skip to main navigation .


Personal Loans

Get the extra cash you need, when and how you need it.


  • Rate discount with Auto Debit
  • Competitive rates
Call 1-800-COMPASS
  • Overview
  • Signature Express Loan
  • Simplified Line of Credit
Our Personal Loans


Everyone needs some extra cash from time to time. Our Personal Loans make getting that cash simple and affordable.


  • Competitive Rates

    You can choose from a line of credit or a lump sum installment loan. Either way, you’ll get a competitive rate that will save you money over the life of your loan.
  • Rate Discount with Auto Debit

    Have your loan payment automatically debited from your BBVA Compass checking account and get an additional rate discount.
  • No Collateral Requirements

    No collateral is required for either the Simplified Line of Credit® or Personal Installment Loan.
  • Use for Anything

    You can use your cash for whatever you want or need.

All loans and lines of credit are subject to approval, including credit approval.

Signature Express Loan


What you get with a Signature Express Loan


  • Affordable Borrowing

    Get the money you need for less with a competitive low rate, and there are no application fees. No collateral requirements, either.
  • Rate Discount

    If you open a new BBVA Compass consumer checking account and set up auto-debit loan payments from your BBVA Compass checking account, you will receive a 1.00% APR discount.
  • Simplified Budgeting

    Set monthly payments make budgeting easier.
  • Receive Funds All At Once

    You’ll receive a lump sum of cash you can use for whatever you want or need.

Signature Express: Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 6.75% and 29.48% APR based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Payment examples and quoted APRs do not include discounts. 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. Enrollment in the Premier Personal Banking Program at the time the loan is finalized is required to receive the .25% rate discount. Interest Surcharges will be refunded on a pro-rated basis if the loan is repaid within 90 days but the bank will always retain a minimum of $25 of the Interest Surcharge.

Customer Profile Monthly Terms* Loan Amount Rates
Superior Credit 12-120 months $2,000-$150,000 As low as 7.99%, 8.04% APR*
Excellent Credit 12-120 months $2,000-$150,000 As low as 8.99%, 9.04% APR*
Good Credit 12-120 months $2,000-$150,000 As low as 11.99%, 12.06% APR*
Acceptable Credit 12-120 months $2,000-$150,000 As low as 15.99%, 16.11% APR*
Sub-Prime Credit 12-120 months $2,000-$150,000 As low as 25.99%, 26.12% APR*
Challenged Credit 12-72 months $2,000-$10,000 As low as 27.99%, 28.13% APR*

*Monthly terms ranging from 73-120 months require a minimum loan amount of $100,000.

  • If customer has payments auto-debited from BBVA Compass consumer checking account, then a 1.00% interest rate discount will apply.
  • If customer is a part of the Premier Personal Banking program, then a 0.25% interest rate discount will apply.

Additional Interest Surcharge payable at closing:

  • If loan is between $2,000 - $4,999, then a $15 interest surcharge applies.
  • If loan is between $5,000 - $7,499, then a $30 interest surcharge applies.
  • If loan is between $7,500 - $9,999, then a $50 interest surcharge applies.
  • If loan is $10,000 or greater, then a $75 interest surcharge applies.

Payment Examples

  • For customers with challenged credit, a 24 month loan of $5000 at an APR of 28.64% will result in 24 monthly payments of $274.42 and an interest surcharge of $30 payable at closing.
  • For customers with sub-prime credit, a 24 month loan of $5000 at an APR of 26.63% will result in 24 monthly payments of $269.35 and an interest surcharge of $30 payable at closing.
  • For customers with acceptable credit, a 24 month loan of $5000 at an APR of 16.61% will result in 24 monthly payments of $244.79 and an interest surcharge of $30 payable at closing.
  • For customers with good credit, a 24 month loan of $5000 at an APR of 12.60% will result in 24 monthly payments of $235.34 and an interest surcharge of $30 payable at closing.
  • For customers with excellent credit, a 24 month loan of $5000 at an APR of 9.59% will result in 24 monthly payments of $228.40 and an interest surcharge of $30 payable at closing.
  • For customers with superior credit, a 24 month loan of $5000 at an APR of 8.59% will result in 24 monthly payments of $226.11 and an interest surcharge of $30 payable at closing.
Contact a Loan Specialist

How to Apply

Talk to a Lending Specialist Today 1-800-COMPASS

Apply In Person Find a Branch

Eligible for Residents of:

  • Alabama
  • Arizona
  • California
  • Colorado
  • Florida
  • New Mexico
  • Texas

Loan Payment Assistance

Simplified Line of Credit


What you get with a Simplified Line of Credit®


  • Unlimited Advances

    You’ll have unlimited access to cash when you need it up to your available credit limit. (Minimum advance $1,000)*
  • Rate Discount

    You’ll get a 0.50% off your APR if you have your monthly payments automatically deducted from your BBVA Compass checking or savings account.
  • Use For Anything

    You can use your line however and for whatever you want or need.
  • Multiple Ways to Access

    You can visit a branch, use a convenience check, or just give us a call.
  • Savings and Flexibility

    You’ll get a competitive APR and pay no annual fee. Plus, there are no prepayment penalties or collateral requirements.

Interest Rates and Interest Charges
Annual Percentage Rate (APR) 9.49% to 23.99% , based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Paying Interest We start charging interest on the transaction date. There is no way to avoid interest.
Fees
Transaction Fees
Advance Fee 3% of the amount of each advance.
Penalty Fees
Late Payment $39
Returned Payment $25

These terms are accurate as of January 1, 2016. You can always find out the most current terms by contacting us at: Compass Bank, P.O. Box 2210, Decatur, AL 35699, or 1-800-239-5175.

How We Will Calculate Your Balance: We use a method called "daily balance" (including new transactions).

 

All loans and lines of credit are subject to approval, including credit approval.

Simplified Line of Credit may not be available to residents of all states.

California Residents: Married applicants may apply for separate accounts.

Delaware Residents: Service charges not in excess of those permitted by law will be charged on the outstanding balance from month to month.

Ohio Residents: The Ohio law against discrimination requires that all creditors make credit equally available to all creditworthy customers, and that the credit reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law.

Maryland Residents: Finance charges will be imposed in amounts or at rates not in excess of those permitted by law.

How to Apply

Talk to a Lending Specialist Today 1-800-COMPASS

Apply In Person Find a Branch

Simplified Line of CreditSM



Loan Payment Assistance