BBVA vs Inbursa: personal loan
| BBVA México | Inbursa | |
|---|---|---|
| APR (CAT) | 38.5% | 42% |
| Amount | $10k–$900k | $8k–$400k |
| Term | 6–60 meses | 12–60 meses |
| Minimum income | $8,000 | $7,000 |
| What sets it apart | Leading app, fast approval, best APR in the traditional banking segment | More flexible with thin or rebuilding profile; Saldazo card integration |
When to pick BBVA México
BBVA wins on a client with formal payroll, clean bureau, 6+ months bank tenure. The lowest rate in traditional banking. For large personal loans (200K+) BBVA is usually the only option without a co-signer in that range.
When to pick Inbursa
Inbursa comes in when BBVA or Santander reject for thin bureau, recent rebuilding or variable income. Rate 3.5 points higher but approval odds notably better for atypical profiles. The Saldazo integration (basic account with Telcel and Banco Azteca) opens access to clients without traditional banking history.
My recommendation
Solid banking profile with payroll: BBVA. Thin or rebuilding profile: Inbursa, the 3.5 extra APR points avoid the rejection.
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 Inbursa before deciding.