Updated September 28, 2026 · BorrowCue Editorial Team
BBVA TDC vs Finteres
Where BBVA TDC and Finteres differ
| Compare |  BBVA TDC |  Finteres |
|---|---|---|
| APR | 25.75% to 39.95% | 0% to 36%Lower |
| Loan amount | MX$3,000 to MX$1,500,000 | €100 to €5,000 |
| Term | 6 to 72 monthsHigher | 3 to 4 months |
| Arrangement fee | 2.75% + IVA of the credit amount, charged once at origination | 0 EUR |
| Credit check | Hard | Soft prequal |
| Representative example | Prestamo Personal Inmediato: CAT promedio ponderado 36.1% sin IVA informativo; fixed annual interest rate 25.75% to 39.95% without VAT | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Lender type | Direct lender | Broker |
| Eligibility | BBVA customer (deposit account or credit card), age 18-84, age plus term not more than 84 years and 364 days, good credit history, valid pre-approved offer | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Origination fee (%) | 2.75% | 0%Lower |
| Loan types | Personal | Personal, Payday, Debt consolidation, CarCovers more |
| Credit needed | Good | Poor |
| Funding time | Not confirmed | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Rate type | Fixed | Not confirmed |
Same on both: Free early repayment (Yes).
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Key differences
- BBVA TDC scores higher overall: 9.1 vs 8.8.
- APR is lower at Finteres: 0% to 36% vs 25.75% to 39.95%.
- Origination fee (%) is lower at Finteres: 0% vs 2.75%.
- Term is higher at BBVA TDC: 6 to 72 months vs 3 to 4 months.
- Loan types: only Finteres offers Payday, Debt consolidation, Car.
Our verdict on each
BBVA TDC
BBVA TDC lends directly to existing customers in Mexico, so the way in runs through a deposit account or credit card you already hold. Costs sit at the wide end though, with interest of 25.75% to 39.95% and an origination charge of 2.75% on top.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | BBVA TDC | Finteres |
|---|---|---|
| Cost | 8.7Fixed annual interest rate 25.75% to 39.95%, plus an origination fee of 2.75% plus IVA charged once at origination. | 9.5HigherArrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.9Higher | 8.7 |
| Trust | 9.6Higher | 8.3 |
Pick BBVA TDC if, pick Finteres if
Pick BBVA TDC if term matter most.
Pick Finteres if cost, apr, origination fee (%), and loan types matter most.
Feature by feature
| Loan types | BBVA TDC | Finteres |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Car | No | Yes |
Where these facts come from
BBVA TDC
- bbva.mx: 18 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
How they place
| Ranking | BBVA TDC | Finteres |
|---|---|---|
| Personal loans | 528 of 1920 | 27 of 1920 |
Every fact side by side
| Fact | BBVA TDC | Finteres |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | BBVA Mexico, S.A., Institucion de Banca Multiple, Grupo Financiero BBVA Mexico | Fininity OÜ |
| Headquarters | Mexico | Estonia |
| Founded | 1932 | Not confirmed |
| Support channels | Help centre, Phone, Email | Email, Phone, Help centre |
Where each stands against the rest
| Fact | BBVA TDC | Finteres | Median |
|---|---|---|---|
| APR | 25.75% to 39.95%highest quarter | 0% to 36%lowest quarter | 8.99 |
| Term | 6 to 72 monthsabove the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | 2.75%highest quarter | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
BBVA TDC
Pros
- Fixed annual interest rate of 25.75% to 39.95% that does not reset
- Free early repayment, so settling early costs nothing extra
- Loans of MXN 3,000 to MXN 1,500,000 over terms of 6 to 72
Cons
- Interest of 25.75% to 39.95% sits well above the site median of 12%
- An arrangement fee of 2.75% plus IVA of the credit amount is charged once at origination
- A hard credit check, and the credit needed is good
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
Who each suits
BBVA TDC
Who it suits
- Adults with a BBVA Mexico deposit account or credit card
- Borrowers with good credit history and a valid pre-approved offer
- Anyone comfortable with a fixed rate and paying a fee up front
Who should look elsewhere
- Monzo Flex, where interest runs at 10% to 23% for customers who can access it
- Cashspace, listed at PHP 12 to PHP 36
- Applicants without a good credit history or a pre-approved offer
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Current offers
BBVA TDC
Current offer
Discount code
Auto nuevo sin comision por apertura (new car, 0% opening commission): 0% comision por contratacion
Home page states it applies during this promo month for any car brand, via BBVA auto loan
Source, checked September 26, 2026
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | BBVA TDC | Finteres |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
BBVA TDC
What rate will I pay on a BBVA TDC personal loan?+
The fixed annual interest rate is 25.75% to 39.95%, so the rate is set when the loan is agreed and does not move afterwards. The published representative example for Prestamo Personal Inmediato pairs a weighted average CAT with the same band, without VAT. Compare that against the site median of 12% for personal loans.
What does the arrangement fee cost?+
An arrangement fee of 2.75% plus IVA of the credit amount is charged once, at origination. It is a one-off rather than a recurring cost, so it adds to the first payment rather than every instalment. Borrowers should add it to their total repayment when weighing affordability.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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