A personal loan1 is an instalment loan. If you prefer not to touch the money on your savings account, then this type of loan is the ideal way to finance certain expenses. It means your savings stay intact and you're always sure of having funds available to you. Check out the terms and conditions in detail.
Super sharp rate
Take out your loan now at an extra sharp 5.95%* instead of 8.50%!
You can borrow large and smaller amounts for different purposes.
No invoice required
You don't need to submit any invoices if you wish to take out a personal loan.
Why go for a personal loan?
Borrowing to go on holiday
Time for a refreshing holiday in the sun or snow? Fancy a city trip
or travelling the world? By taking out a personal loan, you can spread
these costs over the whole year.
Borrowing for a hobby
Hobbies are great fun, but can often cost a lot of money.
Fortunately, you can spread the costs by taking out a loan that's
tailored to your needs. You repay the same amount every month at a
Borrowing to fit out and decorate your home
Does your home need a makeover or have you bought a property that
needs fitted out? With a personal loan, you can quickly start enjoying
your new-look home interior.
Borrowing to cover your study costs
Students cost on average 12,450 euros a year. With our instalment
loan, you repay the same amount every month, so there are no unwelcome
Borrowing to cover unplanned expenditure
You can take out a loan at KBC for a wide range of purposes,
such as for paying for a special celebration event, or buying
multimedia devices and white goods.
How much can I borrow?
Our online calculator automatically takes account of the minimum and
maximum amounts. If you need a bigger loan, our branch staff are ready
to help you.
Work out your loan
The length of time over which you can make repayments obviously depends on how much you want to borrow. By running a personal loan simulation, you know beforehand exactly how much you'll have to pay and for how long. That way, you yourself decide what your loan will look like.
Just go online to our fast, easy online loan calculator. Fill in the amount you want to borrow and the handy application will immediately work out how much your personal loan will cost you. Just change the amount or repayment period, and the application will immediately show you the new repayment schedule.
Everything you need to know about your loan at a glance
you get a complete overview of each loan in KBC Touch. This lets you see how much you still have to pay off, when the next repayment is due, how long the loan still has to run and how much you pay each month.
How a personal loan works
- Fixed repayment schedule: with a fixed-rate loan, you know in advance how much you have to pay each month. And it's easy to work out using the loan calculator.
- Start: repayments start one month after your loan amount has been made available.
- Repayments: repayments are then made on the same day every month.
- Via current account: you pay off your loan via a KBC Current Account or the contract number of your loan (i.e. an account into which you can pay the relevant amounts).
Terms and conditions
Go worry-free on holiday
Wondering about the options offered by KBC for making payment while on holiday? Not sure about the best insurance cover for you? Be sure to go through our holiday checklist.
Why you should start saving for your pension
Your state pension is less than your final salary. By choosing to save, you'll build up a reserve and get 30% tax relief.
Security deposit savings account
Keep your security deposit safe and even earn money on it with a KBC Security Deposit Savings Account.