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> Index of every page on this site: [llms.txt](https://123offerte.it/llms.txt)

[BBVA Italia](https://123offerte.it/en/banking/providers/bbva)

# Prestito Immediato

APR (TAEG)

**7.22–13.79%**

### **Who can apply**

Product for customers who have held a BBVA current account for at least 3 months.

**All of these conditions**

- You must have held a current account with the Bank for at least 3 months.

### **General offer terms**

TAN is the annual interest rate. APR, called TAEG in Italy, includes interest and other required borrowing costs. The lender confirms the rate for your application.

#### **Prestito Immediato Standard**

Fixed-rate loan for BBVA customers

- **Amount**: €3,000–€35,000
- **Term**: 12–96 months
- **Annual interest rate (TAN)**: 6.99–12.99%
- **APR range (TAEG)**: up to 13.79%

Lender: BANCO BILBAO VIZCAYA ARGENTARIA, S.A. – Succursale italiana

- **Origination fee**: Free
- **Installment collection**: Free / month
- **Statement delivery**: —
- **Statement stamp duty**: —
- **Early repayment**: 1% If more than one year remains on the loan · 0.5% If 1 year or less remains on the loan · Free No compensation is due if repayment is made under an insurance contract or if the amount repaid is €10,000 or less.
- **Contract stamp duty**: —
- **Registration tax**: —
- **Substitute tax**: —
- **Cost conditions**: Periodic documentation sending fees: €0.00 in electronic format, €1.65 in paper format. Installment collection fees: €0.00 with debit on BBVA bank account, €4.00 with payment from another bank.

#### **Representative examples**

Published lender examples; these are not personal quotes.

€10,000 · 60 months

Installment €197.96 · APR (TAEG) 7.22 %

Total repayable €11,877.96

Example 1

€10,000 · 60 months

Installment €207.54 · APR (TAEG) 9.37 %

Total repayable €12,452.03

Example 2

€10,000 · 60 months

Installment €227.48 · APR (TAEG) 13.79 %

Total repayable €13,648.77

Example 3

### **Repayment flexibility**

**Skip an installment: —**

**Reduce an installment: —**

**Change payment day: —**

**Additional borrowing: —**

#### **Other financial terms**

**Other financial terms**

Reduction: 1%

Fixed-rate loan for BBVA customers

**All of these conditions**

- The instalment is debited from the BBVA current account, and a total of at least €800 must have been credited during the second preceding calendar month.

Lender: BANCO BILBAO VIZCAYA ARGENTARIA, S.A. – Succursale italiana

### **Features**

- **Fixed rate available**: Yes
- **Variable rate available**: No
- **Debt consolidation**: —
- **Skip an installment**: —
- **Joint borrower**: —
- **Guarantor accepted**: —
- **Education**: —
- **Home**: —
- **Mobility**: —
- **Health**: —
- **Family**: —
- **Sustainability**: —
- **Starting a career**: —

#### **Documents and sources**

- [Source 1 · www.bbva.it](https://www.bbva.it/content/dam/public-web/italia/documents/general/documenti-legali/prestito-immediato/contratto-prestito.pdf)
- [Source 2 · www.bbva.it](https://www.bbva.it/content/dam/public-web/italia/documents/general/documenti-legali/prestito-immediato/secci-immediato.pdf)
- [Source 3 · www.bbva.it](https://www.bbva.it/persone/prodotti/prestiti/prestito-immediato.html)

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Source: 123offerte.it — https://123offerte.it/en/banking/personal-loans/bbva/prestito-immediato-id-bbcfbe182806fb05 (accessed 2026-11-01)

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