Garden loan

Garden loan

Give your garden a makeover

Whether you've got major garden or modest patio plans, we're here to help make your dream garden come true.

Super sharp rate

Take out your loan now at an extra sharp 2.70%* instead of 4.50%!

Apply online

If you like our offer, you can apply for the loan immediately after running your simulation, even if you don't have a KBC Current Account.

Why go for a garden loan?

Garden loan

Fancy a new garden patio, shed, bench or lawn? Transform your garden and make your green-fingered dreams come true with a great-value loan from KBC. Once we've received proof of investment from you, we'll set the wheels in motion right away.


Our minimum term for a KBC Garden Loan is six months. Our maximum term for this type of loan:

  • follows the statutory repayment terms
  • may not exceed 120 months

Even more benefits

  • Apply instantly online
  • Borrow by yourself or with one other person  
  • Opt to repay later
  • Opt to repay before the end of the term

Credit terms and conditions

You must be aged 18 or over to apply for a loan. Applicants choose the amount of their loan which can be for as little as 500 euros or up to 50,000 euros for online applications. If you need to borrow more, just drop by your KBC Bank branch where we'll be happy to help you.

Track your loan status using KBC Touch

KBC Touch lets you track

  • what you pay for your loan every month
  • how much you have left to pay off
  • when your next repayment is due
  • how long your loan still has to go

Not just for KBC clients

You don't need to have a current account with us to apply for a loan. To work out and apply for an instalment loan, simply go to our website. However, if you're already with us, calculate your personal rate in KBC Touch.


* Representative example: for an instalment loan of 10,500 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 2.70% , you pay 60 instalments of 187.12 euros per month or 11,227.33 euros in total. Rate applies on 03-05-2017 for terms of up to 60 months, for an instalment loan used to finance regular or energy-saving renovations.

Attention, borrowing money also costs money

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