Bicycle loan

Bicycle loan

Super sharp rate

Get your bicycle loan now at our rate of 1.15%*!

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.

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.


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 or KBC Mobile.

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 15,000 euros to be repaid over 60 months at a fixed annual debit rate and annual percentage rate of charge of 1.15% , you pay 60 instalments of 257.34 euros per month or 15,440.07 euros in total.  Rate applies on 04-05-2018 for terms of up to 60 months, for an instalment loan used to finance a new car, motor home or motorcycle, or a second-hand car not more than three years old. The vehicle must be bought by a private individual.

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