BCP Bolivia review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

BCP Bolivia suits salaried borrowers who already hold a BCP account and need cash fast. Personal loans cost an APR of 30%, far above the 12% charged across personal loans, though lending directly keeps the route short and the fixed rate at 11.5%.

Key facts

Best for
Salaried BCP account holders who need fixed-rate personal credit quickly.
APR
30% (Source, checked September 26, 2026)
Term
up to 72 months (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Under 24 hours if salary is paid into BCP, otherwise in the next business days (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Eligibility
More than 6 months of job seniority, valid ID card, good standing in the financial system, salary paid into a BCP account (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Legal entity
Banco de Credito de Bolivia S.A. (Source, checked September 26, 2026)
Headquarters
Bolivia (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding
Official website
bcp.com.bo

Mortgages

Initial rate
11.5% (Source, checked September 26, 2026)
Fixed period
1 year (Source, checked September 26, 2026)
Maximum loan to value
80% (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Banco de Credito de Bolivia S.A. (Source, checked September 26, 2026)
Headquarters
Bolivia (Source, checked September 26, 2026)
Founded
1994 (Source, checked September 26, 2026)
Support channels
Phone, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaX

Pros and cons

Pros

  • Lends in its own name as a direct lender, with no broker in between: direct lender
  • Same-day funding sits on the feature list: same day funding
  • Fixed pricing of 11.5% for a 1 fixed period, so repayments do not float
  • Support runs on phone and help centre

Cons

  • Cost is the weak point: the APR of 30% sits well above the 12% charged across personal loans here
  • The credit check is hard, so a full file search happens up front: hard
  • Qualifying needs good credit and a salary paid into a BCP account, so borrowers paid in other ways fall outside
BCP Bolivia

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Scored 8.8 / 10 by BorrowCue.

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Who it suits

  • Salaried borrowers in Bolivia who already bank with BCP and want funds quickly
  • People with good credit and steady job seniority who put speed ahead of cost
  • Homebuyers and remortgagors at 80% loan to value or below, since it covers both purposes: purchase and remortgage

Who should look elsewhere

  • Monzo Flex, for anyone who can clear a credit check: its APR runs 10% to 23% against 30% here
  • Cashspace, quoted in Philippine pesos at PHP 12 to PHP 36, so its rate is not directly comparable with 30%
  • Cashspace ES, whose listed APR of 0% is the cheapest of the three on paper

Safety and regulation

BCP Bolivia lends in Bolivia as a direct lender, not a broker, so the contract, the money and the decision all sit with the bank: direct lender. Supervision sits with ASFI, the Authority for Supervision and Financial Institutions, which licenses the institution. No third-party intermediary stands between you and the lender.

How BCP Bolivia compares

Where BCP Bolivia is available

Available
Bolivia
Licence in Bolivia
ASFI (Autoridad de Supervision y Fiscalizacion de Instituciones Financieras), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What APR do BCP Bolivia personal loans charge?+

BCP Bolivia's personal loan APR is 30%, well above the 12% charged across personal loans on this site. Published pricing is a fixed rate of 11.5%, and terms run to up to 72. The total cost over the full term is what matters here, not the monthly figure.

How fast does a BCP Bolivia loan arrive?+

Same-day funding sits on the feature list: same day funding. Money can arrive the same day when your salary is paid into a BCP account, and in the next business days when it is not. Speed here depends on the account you already hold with the bank.

Is BCP Bolivia regulated?+

BCP Bolivia trades as Banco de Credito de Bolivia S.A. and is supervised in Bolivia by ASFI, the Authority for Supervision and Financial Institutions. It lends in its own name as a direct lender rather than through a broker: direct lender, so your contract is with the bank itself.

What credit do I need to qualify?+

Applicants are asked for good credit, and the check itself is hard, which means a full file search rather than a soft prequalification. You also need a valid ID card, a salary paid into a BCP account, good standing in the financial system and a minimum waiting period of job seniority.

Does BCP Bolivia lend on a home as well as to a person?+

Alongside personal loans, BCP Bolivia covers a home purchase and a remortgage: purchase and remortgage. Borrowing against a home is capped at 80% loan to value, and the rate is fixed. Anyone needing a higher ratio would have to bring a larger deposit or look elsewhere.

How do I get help once I have an account?+

Support runs on phone and help centre, so a phone call or a help-centre answer is the route in. Chat and email are not part of the channel list, which means detailed questions need a phone call or a help-centre reply rather than a written trail.

How does the cost compare with cheaper lenders?+

On APR, BCP Bolivia ranks 283 of 350 brands compared, which is the clearest signal on cost. Monzo Flex quotes 10% to 23%, so a borrower with a strong credit file should look at cheaper lenders before settling on 30%.

Sources

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Loan amount, Arrangement fee, Representative example.

BCP Bolivia

BCP Bolivia

Salaried BCP account holders who need fixed-rate personal credit quickly.

8.8/10See alternatives

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