Updated September 28, 2026 · BorrowCue Editorial Team
BBVA vs CHECK24
What sets them apart
| Compare | BBVA ReviewVisitVisit |  CHECK24 |
|---|---|---|
| APR | 8.08% to 9.16% | 0.68% to 19.92%Lower |
| Loan amount | €3,000 to €75,000 | €500 to €150,000Higher |
| Term | 24 to 96 months | 12 to 240 monthsHigher |
| Credit check | Hard | Soft prequal |
| Funding time | Money credited to your BBVA account after signing, in 3 steps | as little as 3 minutes at some banks, same day |
| Representative example | EUR 10,000 over 8 years: EUR 145.47/month at 9.16% TAE, opening fee 0%, total EUR 13,976.85 | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Eligibility | 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 | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 EUR), Rate type (Fixed), Use cases (Home improvement).
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Key differences
- BBVA scores higher overall: 9.4 vs 9.1.
- Founded is lower at BBVA: 1857 vs 1999.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 8.08% to 9.16%.
- Free early repayment: only CHECK24.
- Loan amount is higher at CHECK24: €500 to €150,000 vs €3,000 to €75,000.
- Term is higher at CHECK24: 12 to 240 months vs 24 to 96 months.
- Loan types: only CHECK24 offers Debt consolidation.
Our verdict on each
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.
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
Score breakdown
| Area | BBVA | CHECK24 |
|---|---|---|
| Cost | 8.9APR of 8.08% to 9.16% on a personal loan with fees of 0 EUR, below the site median, 12%. | 9.5Higher |
| Offer | 9.6Higher | 9.3Personal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. |
| Trust | 9.6Higher | 8.7 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
BBVA
1,294.38 to 1,474.73
1,294.38 to 1,474.73
CHECK24
105.18 to 3,364.22
105.18 to 3,364.22
CHECK24 comes out 1,189.2 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | BBVA | CHECK24 |
|---|---|---|
| Personal loans | 81 of 1932 | 92 of 1932 |
| Mortgages | 9 of 719 | 11 of 719 |
| Home improvement loans | 34 of 562 | 41 of 562 |
Every fact side by side
| Fact | BBVA | CHECK24 |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Banco Bilbao Vizcaya Argentaria S.A. | CHECK24 Vergleichsportal Finanzen GmbH |
| Headquarters | Spain | Germany |
| Founded | 1857Lower | 1999 |
| Support channels | Not confirmed | Phone, Email, Chat, Help centre |
Mortgages
| Fact | BBVA | CHECK24 |
|---|---|---|
| Initial rate | Not confirmed | 3.43% |
| APRC | Not confirmed | 3.5% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 66% |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | BBVA | CHECK24 | Median |
|---|---|---|---|
| APR | 8.08% to 9.16%below the median | 0.68% to 19.92%lowest quarter | 8.99 |
| Loan amount | €3,000 to €75,000above the median | €500 to €150,000highest quarter | €40,000 |
| Term | 24 to 96 monthsabove the median | 12 to 240 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
Who each suits
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%.
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | BBVA | CHECK24 |
|---|---|---|
| Austria | No | Yes |
| Germany | No | Yes |
| Spain | Yes | Yes |
Questions about each
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.
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.