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 4.95%* instead of 8.50%!
No invoice required
You don't need to submit any invoices if you wish to take out a personal loan.
If you like our offer, you can apply for the loan immediately after running your simulation, even if you don't have a current account with KBC.
Why go for a personal loan?
Borrowing to cover unexpected expenses
Get a loan from us to cover unforeseen circumstances like when your washing machine gives up the ghost, your house is damaged or you’re hit with hefty heating oil bills.
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 great-value rate.
Borrow 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.
Borrow for study costs or driving license
Students cost an average of 12,450 euros per year. Training through a driving school quickly costs more than 1,000 euros. With our personal loan you pay a fixed amount every month, so that you will never be faced with surprises.
Borrow for a classic car
If you have found the classic car of your dreams, you can quickly get on the job with a personal loan.
Borrow to pay your taxes
Finding out you’ve a fat tax bill to foot is no fun. A personal loan can give you peace of mind.
Loans from 500 to 50,000 euros
Need 500 euros for a new TV or a grand for a grand new home make-over? We’ve got a loan to suit you.
Apply online to borrow between 500 and 50,000 euros. Make an
appointment at your
branch to discuss larger amounts and we’ll see what works for
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 or KBC Mobile. 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).
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.