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.
Super sharp rate
Get your car loan now at our rate of 1.35%*!
If you like our offer, you can apply for the loan immediately after running your simulation in KBC Touch or KBC Mobile.
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 car loan, simply go to our website.
Pay a fixed rate of interest with no hidden surprises
Work out and apply for your loan online
Our KBC Touch and KBC 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 65% 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 car loan. Simply work out your car loan with us on our website.
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.
If you need help working out what period to repay the loan over, see
our guide to choosing the best repayment plan for you.
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.
|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.
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.
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.