Your personal loan

At 6.99%*
  • Take out your loan at our top-value rate: currently 6.99%*
  • Even if you don't have a current account at KBC
  • Apply online immediately after running your simulation
  • Starting from as little as 500 euros

Why go for a personal loan?

A personal loan is an instalment loan. If you prefer not to touch the money on your savings account, then this type of loan offers an effective way to cover certain expenses. The good thing is that, by keeping your savings intact, you're always sure of having money available to you when you need it.

Our Mobile app also makes it easy for you to see:

• 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

When does your personal loan come in useful?

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 a hefty heating oil bill.

Borrowing to go on holiday

Planning to go on the holiday of your dreams? By taking out a loan, you can spread the cost over the entire year.

Borrowing for a hobby

Hobbies are great fun, but more often than not cost a lot of money. Fortunately, you can spread that cost by taking out a loan that's tailored to your needs.

Borrowing 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.

Borrowing to cover study expenses or gaining a driving licence

Being a student costs an average of 12 450 euros a year. The cost of theory lessons and driving tuition at a driving school can quickly mount up to more than 1 000 euros. When you take out our personal loan, you pay back a fixed amount every month, ensuring you're never in for any unwelcome surprises.

The personal loan in more detail

Fixed repayment schedule

When you take out a fixed-rate loan, you know in advance how much you have to pay off each month. The length of time you can take to repay your loan depends on how much you want to borrow.

By running a personal loan simulation, you know beforehand exactly how much you'll be repaying each month and for how long. So, ultimately it's you who decides what your loan looks like.

How much can you borrow?

You can 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 you.

How do you pay off the loan?

You repay your loan through a current account at KBC or the contract number of your loan (i.e. an account which you can pay the relevant amounts into).

When do you have to start paying back your loan?

Repayments start one month after your loan amount has been made available, after which they are made on the same day every month.

Work it out and apply

Good to know

* 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 6.99%, you pay 60 instalments of 206.81 euros per month or 12,407.94 euros in total. Rate applies from 01-07-2022 for terms of up to 60 months, for an instalment loan used to various personal purposes.