Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs BBVA
Where AU Small Finance Bank and BBVA differ
| Compare |  AU Small Finance Bank | BBVA ReviewVisitVisit |
|---|---|---|
| APR | up to 30% | 8.08% to 9.16% |
| Loan amount | ₹25,000 to ₹1,500,000 | €3,000 to €75,000 |
| Term | 12 to 60 months | 24 to 96 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 0 EUR |
| Funding time | Within 24 hours | Money credited to your BBVA account after signing, in 3 steps |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Must be a BBVA customer with an account; the 1% rate discount requires payroll (min net EUR 600/month) or pension (min EUR 300/month) domiciled at BBVA |
| Origination fee (%) | up to 4% | 0% |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (No).
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Key differences
- BBVA scores higher overall: 9.4 vs 8.9.
- Founded is lower at BBVA: 1857 vs 1996.
- Term is higher at BBVA: 24 to 96 months vs 12 to 60 months.
- Loan types: only AU Small Finance Bank offers Debt consolidation.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
BBVA
BBVA suits existing customers in Spain who want a fixed-rate personal loan with fees of 0 EUR and the money landing in their BBVA account. The cost picture is the draw: APR of 8.08% to 9.16% sits below the site median, 12%, though the account requirement narrows who can apply.
Score breakdown
| Area | AU Small Finance Bank | BBVA |
|---|---|---|
| Cost | 8.2 | 8.9HigherAPR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.6Higher |
| Trust | 9.3 | 9.6Higher |
Availability and regulation
| Country | AU Small Finance Bank | BBVA |
|---|---|---|
| India | Not confirmed | |
| Spain | Not confirmed | Comision Nacional del Mercado de Valores (CNMV) MiCA CASP K8MS7FD7N5Z2WQ51AZ71 |
Additional countries for AU Small Finance Bank: 1. Additional countries for BBVA: 1.
Positions in our rankings
| Ranking | AU Small Finance Bank | BBVA |
|---|---|---|
| Personal loans | 111 of 1943 | 81 of 1943 |
| Mortgages | 15 of 719 | 9 of 719 |
Every fact side by side
| Fact | AU Small Finance Bank | BBVA |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | AU Small Finance Bank Limited | Banco Bilbao Vizcaya Argentaria S.A. |
| Headquarters | India | Spain |
| Founded | 1996 | 1857Lower |
| Support channels | Phone, Email, Chat, Help centre | Not confirmed |
Mortgages
| Fact | AU Small Finance Bank | BBVA |
|---|---|---|
| Purpose | Purchase, Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | AU Small Finance Bank | BBVA | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 8.08% to 9.16%below the median | 8.99 |
| Term | 12 to 60 monthsat the median | 24 to 96 monthsabove the median | 60 |
| Origination fee (%) | up to 4%highest quarter | 0%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
BBVA
Pros
- APR of 8.08% to 9.16% sits below the site median, 12%.
- Fees of 0 EUR on a personal loan, so the quoted rate is not padded by an opening charge.
- Money is credited to the BBVA account after signing, so settlement needs no new payee setup.
Cons
- Free early repayment is no, so clearing the balance sooner carries a cost.
- Eligibility starts with holding a BBVA account, and the rate discount asks for a payroll or pension domiciled at BBVA.
- The credit check is hard, so a decline can leave a mark on the credit file.
Who each suits
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
BBVA
Who it suits
- Existing BBVA account holders in Spain with a domiciled payroll or pension who want a rate they can plan around.
- Borrowers funding a home improvement project who can spread the cost, since terms run 24 to 96.
- Readers who prefer the lender to hold the contract rather than a broker, since BBVA is a direct lender.
Who should look elsewhere
- Cashspace, priced at an APR of PHP 12 to PHP 36, if you want a different rate band than BBVA's 8.08% to 9.16%.
- Monzo Flex, at 10% to 23%, for readers comparing a UK lender rather than a Spanish bank.
- Cashspace ES, whose listed APR of 0% reads lower than BBVA's 8.08% to 9.16%.
Country by country
| Country | AU Small Finance Bank | BBVA |
|---|---|---|
| India | Yes | No |
| Spain | No | Yes |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
BBVA
What rate does BBVA charge on a personal loan?+
The personal loan carries an APR of 8.08% to 9.16%, fixed for the whole term. The published example pairs that rate with fees of 0 EUR, so the quoted figure is not padded by an opening charge. Terms run 24 to 96, which shapes the monthly instalment.
Is BBVA regulated?+
BBVA appears in the Spanish register under the Comision Nacional del Mercado de Valores (CNMV), listed as licence MiCA CASP K8MS7FD7N5Z2WQ51AZ71. The legal entity behind the brand is Banco Bilbao Vizcaya Argentaria S.A., and the bank is a direct lender, so the contract is with the bank itself.
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