BBVA vs Nu: personal loan in 2026
| BBVA México | Nu México | |
|---|---|---|
| APR (CAT) | 38.5% | 32% |
| Amount | $10k–$900k | $5k–$150k |
| Term | 6–60 meses | 6–48 meses |
| Minimum income | $8,000 | $5,000 |
| What sets it apart | Traditional bank with leading app, payroll integration, high max amount | Digital fintech with APR from 32% for clients with 6+ months Nu history |
When to pick BBVA México
BBVA wins if you need amount over 150K, longer term than 48 months, or you're not an active Nu client. Traditional banking remains the natural range for large loans with extended terms. For BBVA payroll clients, preferential rate can drop below 33% APR.
When to pick Nu México
Nu wins if you've had a Nu card 6+ months with on-time history and you need a medium amount (40K-120K) over 24-36 months. The offer starts at 32% APR — the lowest in the segment without bank payroll. Approval is 100% digital with no paperwork.
My recommendation
Consolidated Nu client with medium amount: Nu, unbeatable on APR. High amount or no Nu history: BBVA for capacity and experience.
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 Nu México before deciding.