Banks offer loans of up to $40 million. Requirements, rates, and current conditions in December 2025
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Personal loans remain a key tool for addressing urgent expenses, consolidating debt, or financing projects that require immediate liquidity. In December 2025, several banks continue to offer active lines with high amounts and different conditions depending on the applicant's credit profile.
Among the banks offering these alternatives are BBVA, Banco Nación, and Banco Provincia. Each bank has specific rates, requirements, and modalities for accessing financing of up to $40,000,000 or more.
El proceso para pedir el prestamo de Mercado Pago
BBVA personal loan: up to $40,000,000 online
BBVA offers loans of up to $40,000,000 digitally and up to $70,000,000 at branches. The maximum repayment term is 60 months and is available to employees and self-employed individuals who are bank clients.
Current rates
NAR: 138%
EAR: 269.23% (depending on credit behavior)
Main requirements
Age: 18 to 74 years
Employment length: 3 months if salary is received at BBVA; 1 year for others
Minimum income: $308,200 per month
Installment: must not exceed 30% of net income
Préstamo personal del BBVA: hasta $40.000.000 online
Key features
French amortization
Fixed rate throughout the loan
Amount from $1,000 up to $40,000,000 online
How to apply
Access the BBVA simulator
Select amount and term
Complete personal information
Accept conditions and submit the application
Immediate accreditation if approved
Banco Nación personal loan: amounts up to $40,000,000
Banco Nación allows applications for up to $40,000,000, within a general cap of $100,000,000. It is available to employees, self-employed, and monotributistas, with terms of up to 72 months.
Préstamo personal del Banco Nación: montos de hasta $40.000.000
Conditions for those who receive their salary at Nación
NAR: 61%
EAR: 81.30%
Total financial cost with EAR: 104.68%
The installment can't exceed 35% of net income
How to manage it
Present ID and proof of income
Attach Census Compliance Certificate (if applicable)
Online or in-person process
Direct accreditation to account after approval
Banco Provincia personal loan: up to $50,000,000
Banco Provincia offers personal loans of up to $50,000,000 with a maximum term of 72 months. These are intended for private sector employees, public workers, and retirees who receive their salary at the institution.
Préstamo personal del Banco Provincia: hasta $50.000.000
Current conditions
Maximum amount: $50,000,000
Term: up to 72 months
Annual fixed rate: 98%
Example: for every $100,000 requested over 72 months, the installment is approximately $8,680.95. Accreditation is usually completed within 24 hours after approval.
