Looking to finance your car or car fleet?
- Run a simulation and take out your loan online
- Get the same personal rate online as you would in your branch
- Benefit from our lower rate for electric cars
How do I finance my company car?
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:
Flemish subsidy for zero-emission vehicles (electric cars)
The Flemish government launched this subsidy system to promote electric (zero-emission) car fleets. If you buy a 100% electric car costing less than 40 000 euros in 2024, you’re entitled to a subsidy of 5 000 euros. For a second-hand electric car, you can apply for a subsidy of 3 000 euros. See full details.
- Can only be combined with an investment credit (not with leasing or renting)
- Can only be applied for by sole traders
| Investment Credit | Finance lease | Renting | |
|---|---|---|---|
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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 |
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 |
Minimum credit amount
Term
Interest rate
Pre-financing of VAT
Drawdowns
Repayments
Residual value
Purchase option
Administrative work
Accounting treatment
| 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 | 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 |
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. A Full-Service Lease Car is a comprehensive solution for your mobility needs.
