BBVA vs Citibanamex: personal loan
| BBVA México | Citibanamex | |
|---|---|---|
| APR (CAT) | 38.5% | 40.5% |
| Amount | $10k–$900k | $10k–$400k |
| Term | 6–60 meses | 12–60 meses |
| Minimum income | $8,000 | $8,000 |
| What sets it apart | High ceilings, the best banking app in Mexico | Branches on every corner; useful if you need to sign in person |
When to pick BBVA México
If you do everything from your phone and don't mind signing digitally, BBVA is two points cheaper and lends you twice as much. On a 200,000-peso loan over 48 months, the difference comes out to about 18,000 pesos in BBVA's favor.
When to pick Citibanamex
Citibanamex still wins when you need to walk into a branch to sort things out in person, or when you handle large cash operations. It also tends to be more flexible with older customers or anyone without a digital track record.
My recommendation
For most banked profiles, BBVA. Citibanamex makes sense if you value the physical branch more than the rate difference.
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 Citibanamex before deciding.