BBVA vs Banorte: debt consolidation
| BBVA México | Banorte | |
|---|---|---|
| APR (CAT) | 36% | 39% |
| Amount | $20k–$800k | $20k–$600k |
| Term | 12–72 meses | 12–60 meses |
| What sets it apart | Consolidation with direct payoff to the original debt (the cash never lands in your account) | Accepts consolidating store cards (Liverpool, Suburbia, Coppel) and payroll loans from other banks |
When to pick BBVA México
BBVA closes the consolidation with a direct payoff: the money never passes through your account, it goes from the bank straight to the original card. That cuts the risk of "I pay off the card and then run it back up." A 3-point lower CAT than Banorte is real money.
When to pick Banorte
Banorte will consolidate products that BBVA will not touch: department-store cards and payroll loans held at another bank. If most of your debt is Coppel plus Liverpool plus Suburbia, Banorte is one of the few that will roll all of it into a single payment.
My recommendation
Mostly bank debt: BBVA for the rate. Mixed debt with store cards: Banorte.
How we compare these two
The figures in the table — CAT, amount, term — come from each institution’s public rate sheet, not from us, and the commercial relationship never changes them. The «cheaper» verdict weighs the total cost for a standard profile; your own CAT depends on your Buró and income, so treat the numbers as a starting point and confirm the final terms on the lender’s site before signing. The order of offers across the site follows our published methodology.
Read the full editorial review of BBVA México or Banorte before deciding.