Loan for a new car

Loan for a new car

Super sharp rate

Take out your loan now at an extra sharp 1.35%* instead of 1.50%!

Get up to 110% financing

You can also borrow a little more to cover additional costs like the premium for your comprehensive insurance cover.

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.

Work out and apply for a car loan
See our second-hand car loan for cars older than three years

Pay a fixed rate of interest with no hidden surprises

The interest rate on your car loan never changes. That means you can be absolutely certain your monthly repayments remain the same for the entire duration of the loan. When you take out a car loan, you’re given a repayment schedule you can use at any time to check how much you have already repaid.

Get up to 110% financing

With a KBC Car Loan (an instalment loan), you can borrow the full purchase price of the vehicle, including the VAT charged. And, if you need to, you can borrow a little more to cover additional costs (such as premiums for your comprehensive insurance cover) that often come with buying a new car. If you buy a new car or second-hand car that is no more than three years old, you can get a loan from us for up to 110% of the total purchase price (including the VAT charged) to help cover these additional costs. But if you’d rather pay part of the purchase price yourself, that’s fine too. In that case, we'll simply finance the balance. When calculating how much a car loan will cost you, you yourself can select what amount you want to borrow.

Repay the same amount every month

When you know how much you want to borrow, you can easily calculate your monthly repayments using our car loan simulator. The amount you repay each month depends on how much you want to borrow and the period over which you wish to repay the loan.

Go online and calculate how much a car loan will cost you. In the calculator, fill in the invoice amount and the amount you want to borrow. The application will then quickly suggest a monthly instalment amount. You can easily change the amount or repayment period and the application will immediately show you the new instalment schedule. 

Choose the right term

The best term for you will depend on how much you want to borrow and how much you can spare each month. The longer the term, the less you'll have to repay each month and the easier it will be to pay off your loan. The shorter the term of your loan, the more you'll have to repay each month but you'll pay it off sooner and consequently pay less interest. At KBC, the choice is in your hands. 

There are a few legal limits that apply to the term of a loan: these are automatically built into the car loan calculator. 

Amount borrowed
Maximum term
up to 2,500 euros 24 months
up to 3,700 euros 30 months
up to 5,600 euros 36 months
up to 7,500 euros 42 months
up to 10,000 euros 48 months
up to 15,000 euros 60 months
up to 50,000 euros 72 months

Since a new car quickly depreciates in value, our advice is not to take too long to repay the car loan. As a novice driver, it's often the case that you haven't taken out any other loans, but you are more at risk statistically of incurring claims or even a total loss on the vehicle. It's worth remembering that, while you've lost your car in this scenario, you will have to continue paying off your loan. You can take out KBC Car Loan Comprehensive Insurance with us to limit that risk.

Tax return

When substantiating your professional expenses, you can include the interest paid on your car loan for tax purposes.

When do you get your loan?

You are paid your car loan:

  • When your car is delivered
  • Once we have received the relevant signed documents and proof of investment (order form or invoice) from you
  • To the account from which your monthly repayments will be made

When do you start repaying your loan?

You start making your car loan repayments one month after the loan is paid to you. All subsequent monthly repayments will take place on the same day of the month as the initial repayment.


So, if for example your loan is made available on 25 March, then your loan repayments start on 25 April, with remaining repayments scheduled for the 25th of every month.

Account for repaying the loan

If you already have a current account with us, you can repay your loan from that account provided you're the sole or joint holder of the account. The account for repaying the loan must be the same as the one used for disbursing it.

What if you can't repay your loan?

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.

Car loan details (instalment loan)


Attention, borrowing money also costs money

* 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 1.35% , you pay 60 instalments of 181.07 euros per month or 10,864.26 euros in total.  Rate applies on 19-01-2017 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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