Bicycle loan

Bicycle loan

Super sharp rate

Get your bicycle loan now at our rate of 1,09%*!

Simulate your loan

How much can you borrow for your dream bike? And how much would you have to pay back each month? Use our simulator to calculate your loan. Test out a range of different scenarios.

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.

Simulate your bike loan now

Got a question about repaying your loan in these coronavirus times?

> Find the answer here

The beauty of an electric bike (or e-bike) is that you cover the distance to work much more quickly. A good racing bike or mountain bike allows you to glide up and down hills with ease when you're out cycling. But, of course, decent bikes come with a serious price tag. However, KBC's bicycle loan is a great solution if you're set on buying your dream bike.

How our bike loan works

apply for a bike loan

If you want to finance your new purchase, it might be more attractive for you to take out an instalment loan, which avoids you having to dip into your savings. KBC offers a customised loan for your new bicycle.

You can take out this bicycle loan to buy an e-bike, cargo bike, mountain bike, racing bike, folding bike, etc. You can borrow from as little as 500 euros. Your repayments are monthly, spread over at least one year.

For example: You have your eye on an e-bike costing 1 800 euros. However, you don't need to borrow quite that much. You decide to take out a bicycle loan of 1 500 euros and pay it off over 24 months. In that case, you'll pay a little over 63 euros each month.


Work out and apply for your loan online

Our KBC Touch andKBC 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 bike loan. Simply work out your bike loan with us on our website.

Do a quick calculation of how much you'd pay off

If you'd like to know how much you would pay off each month, you can use our simulator to calculate your loan. Test out a range of different scenarios. If you are happy with our offer, you can secure your loan online at a time that suits you.

Get paid to cycle to work

Do you commute on your bike? If so, you can recoup what you've spent on your brand-new bicycle in no time, thanks to a tax-free bicycle allowance*.

How does it work? It's simple. Your employer pays you 0.23 euros for every kilometre you cycle. And that soon mounts up. For instance, cycling 20 kilometres to and from work on your electric bike or regular bicycle results in an allowance of 4.60 euros per day. If you do that 220 days a year, you'll end up pocketing 1 012 euros. If you took out a bicycle loan of 1 800 euros, your cycling will generate that amount in less than two years.

*Bicycle allowances are perks. Employers can decide whether or not to grant them and can also specify the amount.  

* Bicycle loan details

Credit type: Instalment loan provided by the lender KBC Bank NV, Havenlaan 2, 1080 Brussels, VAT BE 0462.920.226, RLP Brussels, FSMA 026.256 A. Subject to your loan application being approved by KBC Bank NV and mutual agreement.

Attention, borrowing money also costs money

Representative example: for an instalment loan of 1,500 euros to be repaid over 24 months at a fixed annual debit rate and annual percentage rate of charge of 1,09% , you pay 24 instalments of 63,21 euros per month or 1.517,01 euros in total. Rate applying from 1/04/2020 for terms of up to 60 months, for an instalment loan used to finance a(n) (electric) bike. The vehicle must be bought by a private individual.

Premier car insurance for young people

  • Car insurance made for young drivers
  • Drive safely and pay a lower premium
  • Pay less to insure your next car too


Simulate your car loan

Simulate your monthly repayments for your instalment loan for a second-hand car in just a few clicks.

Simulate your motorcycle loan

Simulate your monthly repayments for your instalment loan for a motorcycle in just a few clicks.

Here is how to make a claim

Car accident? Damage to glass? Theft? Find out how to make a claim.
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