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Get up to 110% financing
You can also borrow a little more to cover additional costs like the premium for your comprehensive insurance cover.
Keep your savings for a rainy day
With a car loan, there's no need to draw on your savings or sell any investments prematurely. So, your savings stay intact and you're always sure of having funds available to cover any unexpected costs.
Pay a fixed rate of interest with no hidden surprises
The interest rate on your car loan never changes. That means you can be absolutely certain your monthly repayments remain the same for the entire duration of the loan. When you take out a car loan, you’re given a repayment schedule you can use at any time to check how much you have already repaid.
Get up to 110% financing
With a KBC Car Loan (an instalment loan), you can borrow the full purchase price of the vehicle, including the VAT charged. And, if you need to, you can borrow a little more to cover additional costs (such as premiums for your comprehensive insurance cover) that often come with buying a new car. If you buy a new car or second-hand car that is no more than two years old, you can get a loan from us for up to 110% of the total purchase price (including the VAT charged) to help cover these additional costs. But if you’d rather pay part of the purchase price yourself, that’s fine too. In that case, we'll simply finance the balance. When calculating how much a car loan will cost you, you yourself can select what amount you want to borrow.
Repay the same amount every month
When you know how much you want to borrow, you can easily calculate your monthly repayments using our car loan simulator. The amount you repay each month depends on how much you want to borrow and the period over which you wish to repay the loan.
Go online and calculate how much a car loan will cost you. In the calculator, fill in the invoice amount and the amount you want to borrow. The application will then quickly suggest a monthly instalment amount. You can easily change the amount or repayment period and the application will immediately show you the new instalment schedule.
Choose the right term
The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands.
There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator.
|up to 2,500 euros||24 months|
|up to 3,700 euros||30 months|
|up to 5,600 euros||36 months|
|up to 7,500 euros||42 months|
|up to 10,000 euros||48 months|
|up to 15,000 euros||60 months|
|up to 50,000 euros||72 months|
Since a new car quickly depreciates in value, our advice is not to take too long to repay the car loan. As a novice driver, it's often the case that you haven't taken out any other loans, but you are more at risk statistically of incurring claims or even a total loss on the vehicle. It's worth remembering that, while you've lost your car in this scenario, you will have to continue paying off your loan. You can take out KBC Car Loan Comprehensive Insurance with us to limit that risk.
When substantiating your professional expenses, you can include the
interest paid on your car loan for tax purposes.
When do you get your loan?
You are paid your car loan:
- When your car is delivered
- Once we have received the relevant signed documents and proof of investment (order form or invoice) from you
- To the account from which your monthly repayments will be made
When do you start repaying your loan?
You start making your car loan repayments one month after the loan is
paid to you. All subsequent monthly repayments will take place on the
same day of the month as the initial repayment.
Account for repaying the loan
If you already have a current account with us, you can repay your loan from that account provided you're the sole or joint holder of the account. The account for repaying the loan must be the same as the one used for disbursing it.
Car loan details (instalment loan)
Car insurance policy - partial comprehensive cover
Covers damage to your car caused by theft, glass breakage, forces of nature, fire and pine martens.
Get decent, affordable car insurance as a younger driver insuring your own car for the first time.