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 2.40%* instead of 2.95%!

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.

Calculate your garden loan

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.

Work out and apply for your loan online

Our KBC Touch and KBC Mobile let you easily work out and apply for your loan. They give you a personal rate right away, just like we do at your branch. We make it easy! Don’t take our word for it though. Ask the more than 80% of our loan applicants who’ve requested their loan online. Have questions or need advice? Our KBC Live is there for you.

Our Touch and Mobile apps also show you full details of your loan. See quickly:

  • How much you have left to pay off
  • When your next repayment is due
  • How long your loan still has to run and what you pay each month

You don’t need to have a current account with us to apply for a garden loan. Simply work out your garden loan with us on our website.


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.


* 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 2,40%, you pay 60 instalments of 185,77 euros per month or 11.145,74 euros in total. Rate applies on 25-02-2021 for terms of up to 60 months, for an instalment loan used to finance regular or energy-saving renovations.

Read the legal information

Attention, borrowing money also costs money

Why build an energy-efficient home?

Energy-efficient is the term on everyone's lips. But what does it really mean? And why is it a good idea?

How much can I borrow?

We'll help you with a few guidelines.

Green energy loan

Building or renovating your home to make it energy-efficient, fire-resistant and secure? Go for a KBC Green Energy & Security Loan and get the benefits.

Renovation loan

Renovate your home with one of our great-value loans. Work out in just two minutes what it’ll cost you.
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