Looking to finance your car or car fleet?

Compare our types of credit for company cars

Looking to finance your car or car fleet?

Compare our types of credit for company cars

How do I finance my company car(s)?

Most business owners cannot imagine professional life without a company car anymore. After all, it’s important for someone who runs a business to be mobile. Regardless of whether you’re looking to buy, lease or rent a company car, KBC can offer a bespoke solution to finance your car or car fleet. Each package has its own benefits.

Financing your car or car fleet using your own funds is inadvisable due to the high cost. Taking out a loan to this end is a more attractive option because it allows you to spread the cost. On top of that, it’s tax-deductible.

To find out which type of credit is best suited to your needs, we’ve provided a detailed comparison of five different options:

  Investment credit

Finance lease

Renting

Minimum credit amount None

9,000 EUR excl. VAT

9,000 EUR excl. VAT

Term

 

2 to 5 years

 

 

2 to 5 years

 

 

2 to 5 years

 

 

Interest rate

 

Variable or fixed Fixed Fixed

Pre-financing of VAT

Drawdowns

Can be drawn down in instalments or in one lump sum

Can be drawn down in one lump sum. Payment by instalments to the supplier is possible

Can be drawn down in one lump sum. Payment by instalments to the supplier is possible

Repayments 

 

Choice of repayment schedule and repayment frequency, date of first repayment

 

Choice of repayment schedule and repayment frequency Choice of repayment schedule and repayment frequency
Residual value ≤ 15% of the investment amount ≥ 16% of the investment amount
Purchase option

Proof of investment upon drawdown
Administrative work Credit can be drawn down online via KBC Touch and/or KBC-Online for Business Carried out by KBC Lease Carried out by KBC Lease

Accounting treatment

On the balance sheet

Capitalisation and depreciation

On the balance sheet

Capitalisation and depreciation

On the income statement

Booked as expense

  More info More info More info

Full-Service Car Leasing – a comprehensive solution for all of your mobility needs

If you’d like an all-in formula with no operational or administrative worries for a fixed monthly lease payment, a Full-Service Car Leasing contract is the perfect choice. Full-Service Car Leasing is the most comprehensive leasing and renting formula at KBC. A Full-Service Lease Car is a comprehensive solution for your mobility needs.

Learn more about Full-Service Car Leasing

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