Fixed APRs as low as 4.99% with auto-debit


Competitive loan rate. Potential same-day funding. 

Looking to consolidate debt or fund major purchases? With a BBVA Compass Express Personal Loan, you’ll enjoy incredible features including:   

  • Fixed APRs starting as low as 4.99% (APRs from 4.91% in branch and via phone) to 34.06% with auto-debit from a BBVA Compass checking account (checking account must be opened prior to loan being closed)1
  • Loan amounts up to $35,000 online (up to $100,000 when applying at a branch)
  • Terms from 12-72 months


More features of our Express Personal Loan


Loan can be used to consolidate debt or fund large purchases. 

Ability to preview your estimated loan rate before you apply—with no impact to your credit score. 

No collateral needed, only your signature.

Details you need to make a smart decision

1APR: Annual Percentage Rate. Loans are subject to eligibility, underwriting, and approval, including credit approval. The offered APR (with no interest rate discounts) will vary between 5.99% to 35.06% (APRs vary from 5.91% to 35.06% in branch and via phone) APR is calculated based upon creditworthiness, loan amounts, term length, and amount of Interest Surcharge. Enrollment in auto-debited loan payments from a BBVA Compass checking account is required to receive a 1.00% interest rate discount and the BBVA Compass checking account must be opened prior to the loan being closed. APR of 4.99% reflects 1.00% auto-debit 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.

BBVA Compass Checking Accounts: Checking accounts subject to approval, which may include credit approval.  $25 minimum opening deposit required. 

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.