Frequently Asked Questions

Instalment loans

Frequently Asked Questions

Instalment loans

For what purposes can you apply for an instalment loan?

KBC has an instalment loan to suit every dream, even if you’re not a client with us yet.

  1. For personal reasons
  2. To buy a car
  3. To buy a bicycle, motorcycle or motor home
  4. For your home
  5. To cover unforeseen expenses
    • Relating to your car or house, for instance.

How much can I borrow?

You can apply online via KBC Touch and KBC Mobile for a loan between 500 euros and 50,000 euros euros. If you take out the loan via our website, you can apply for a loan between 500 euros and 25,000 euros.
If you need to borrow a larger amount, contact your KBC branch or KBC Live.

When and how do I repay my loan?

If you take out your loan at a KBC branch, we will work out together how you repay the loan. That could be in equal monthly instalments, equal monthly repayments of principal, a lump-sum repayment of principal, monthly interest payments, and so on.

If you take out the loan via our website, KBC Touch or KBC Mobile, the only way to pay it back is in equal monthly instalments. Repayment begins one month after you've received the borrowed amount.

What are the minimum and maximum terms for an instalment loan?

It depends on the type of repayment schedule you choose.

  • Equal monthly instalments or equal monthly repayments of principal
    • Minimum: 6 months
    • Maximum: 120 months, but the term can also be shorter (e.g., 12 months for annually recurring expenses)
  • Lump-sum repayment of principal at maturity and monthly interest payments
    • Minimum: 3 months
    • Maximum: 60 months
  • Lump-sum repayment of principal and payment of interest at maturity
    • Minimum: 3 months
    • Maximum: 12 months

Visit your KBC branch or contact KBC Live for the specific terms and conditions of your loan.

Can I apply for an instalment loan online?

Yes, you can apply via KBC Touch or KBC Mobile. If you're not a KBC client yet, you can apply via our website.

Can I repay an instalment loan early?

Yes, you can. It can be repaid early either in full or in part. To do so, contact your KBC branch. Please note that you will need to pay a reinvestment fee.

I’m not a KBC client: can I apply for an instalment loan too?

Yes you can. You don’t need to have a current account with us to apply for an instalment loan.

Are there any administrative or origination fees on an instalment loan?

No, aside from the interest, we do not make any additional charges.

Can I claim my car loan against my tax?

If you have opted to declare your actual professional costs, you can claim the interest on your car loan against your tax.

Attention, borrowing money also costs money

Form of credit: instalment loan. Lender: KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your credit application being approved by KBC Bank NV.

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