A Bright Opportunity Could Save You Thousands*

Consolidate high-interest debt with a BBVA Compass Express Personal Loan, and you could potentially save thousands in interest payments.

  • Fixed APRs starting at 5.15% with auto-debit from a BBVA Compass checking account**
  • Loan amounts up to $35,000 online
  • Terms from 12-72 months
  • Ability to check your rate before you decide, with no impact to your credit score. Check Your Rate is currently only available online.

¹Check My Rate involves a soft pull of your credit and will not affect your credit score. 

If you’re applying for over $35,000, please visit a branch. If you’re applying for $35,000 or less, please enjoy our online application process. Just enter the Reservation Code from your email to start your secure application. Reservation Code expires on 11/30/2017.


BBVA Compass Express Personal Loan Features

  • Fixed APRs as low as 5.15%** when your loan payments are auto-debited from a BBVA Compass checking account. (Your APR will be determined upon application. Additional interest rate discounts may apply.)
  • Potential same-day approval and funding
  • No collateral needed, only your signature
  • Loans range from $2,000 up to $50,000 (up to $35,000 when you apply online)
  • Ability to preview your estimated loan amount, term, rate, and monthly payment online before you even apply—with no impact to your credit score
  • Use to consolidate debt or fund large purchases, such as travel, special events, auto repairs, medical expenses, and almost any other situation when you need cash

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 $7,691 in 3 years.

Express Personal Loan High-Interest Credit Cards







Monthly Payment



3 years 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

*The interest savings represented in this chart are for illustrative purposes only. Calculations in the chart, including the 5.53% 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. All loans subject to approval, including credit approval.

**APR: Annual Percentage Rate. Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR will vary between 6.15% and 35.06% APR based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. 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. Enrollment in the Premier Personal Banking Program at the time the loan is finalized is required to receive a 0.25% interest rate discount. Loan term, loan amount and APRs may vary if originated in a branch. 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 (6) 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:

  • 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.

Interest surcharges will be withheld from loan proceeds.

Payment Example:

A 12 month loan of $2,000 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.