Comparing credit for company cars

Find out which credit type best suits your needs

Comparing credit for company cars

Find out which credit type best suits your needs

How do I finance my company car(s)?

Most entrepreneurs 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 vehicle (fleet). Each package has its own benefits.

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

  Full service car leasing

Finance lease

Renting

 

Investment credit

 

Minimum credit amount None

5,000 EUR excl. VAT

5,000 EUR excl. VAT

None

Term

 

1 to 8 years

 

 

2 to 5 years

 

 

2 to 5 years

 

2 to 5 years

 

Interest rate

 

Fixed Fixed Fixed

 

Variable or fixed

 

Pre-financing of VAT


Drawdowns

Not applicable

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

Can be drawn down in instalments or in one lump sum

 

Repayments 

 

Monthly lease invoice

 

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


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

Accounting treatment

On the income statement

Booked as expense

On the balance sheet

Capitalisation and depreciation

On the income statement

Booked as expense

On the balance sheet

Capitalisation and depreciation

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