Looking to finance your car or car fleet?

Compare our types of credit for company cars

Run a simulation, take out your loan online and get back your 125-euro origination fee*
Get the same personal rate online as you would in your branch
Benefit from our special low rate for electric cars

Arrange your finance online and get back your origination fee!

A new year’s started and that means it could be time to get a new company car. At KBC, we’re more than happy to do our bit and will refund your origination fee when you take out your loan online between 9 January 2023 and 9 March 2023. Not only that, you also benefit from low rate car finance during this period.

Work out your loan in one of our online apps. If you’re happy with the offer, apply for your loan right away online. Your origination fee will be refunded to your account later on without you having to do anything.

* Learn more about the offer terms and conditions.

Simulate and apply for finance

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	1,250 EUR excl. VAT	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
Repayments	Monthly	Monthly	Monthly
Residual value		By default 4%	By default 16%
Purchase option
Administrative work	Credit can be drawn down online via KBC Touch and/or KBC Business Dashboard	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 information	More information	More information


Investment Credit
Finance lease
Renting

Minimum credit amount	More information
Investment Credit	1,250 EUR excl. VAT
Finance lease	9,000 EUR excl. VAT
Renting	9,000 EUR excl. VAT

Term	More information
Investment Credit	2 to 5 years
Finance lease	2 to 5 years
Renting	2 to 5 years

Interest rate	More information
Investment Credit	Variable or fixed
Finance lease	Fixed
Renting	Fixed

Pre-financing of VAT	More information
Investment Credit
Finance lease
Renting

Drawdowns	More information
Investment Credit	Can be drawn down in instalments or in one lump sum
Finance lease
Renting

Repayments	More information
Investment Credit	Monthly
Finance lease	Monthly
Renting	Monthly

Residual value	More information
Investment Credit
Finance lease	By default 4%
Renting	By default 16%

Purchase option	More information
Investment Credit
Finance lease
Renting

Administrative work	More information
Investment Credit	Credit can be drawn down online via KBC Touch and/or KBC Business Dashboard
Finance lease	Carried out by KBC Lease
Renting	Carried out by KBC Lease

Accounting treatment	More information
Investment Credit	On the balance sheet: capitalisation and depreciation
Finance lease	On the balance sheet: capitalisation and depreciation
Renting	On the income statement: booked as expense

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