Loan for a second-hand car

Work out your loan for a second-hand car online

Loan for a second-hand car

Work out your loan for a second-hand car online

Partial or full financing

You can pay part of the purchase price of the second-hand yourself or borrow the entire amount. The choice is yours.

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.

Fixed monthly amount

Repay the same amount each month and so avoid any hidden surprises.

Borrow all or some of the amount required

Loan for a second-hand car

If you already own a car and want to sell it, you can use the proceeds of the sale to cover part of the cost of buying your next car. You can then borrow the remaining amount of the purchase price.

If you are unable to make a down payment, no problem. You can also borrow the full amount of the purchase price (including VAT).

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 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.

Fixed monthly amount

When you take out your loan, you know how much you have to repay and for how long. Since the loan is at a fixed rate of interest, your monthly instalments remain the same and, therefore, you avoid any unpleasant surprises.

You can now take out a loan at the sharp rate of 2.95%*.

Work out your loan for a second-hand car

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.

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

Payment of the amount borrowed

Payment of the amount borrowed

The loan is paid to the account from which the monthly repayments will be made. You will receive the money when the car is delivered and after KBC receives the relevant signed documents and proof of investment (invoice or order form).

Repaying your loan

Repaying your loan

You start making your 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. For instance, if we pay you the loan amount on the 20th of the month, you will make your first repayment on the 20th of the following month. All subsequent repayments will also be due on the 20th of the month in question. If you hold a current account at KBC, the repayments can be made from it.

Tax return

If you claim your work-related expenses on your tax return, you can include the interest you pay on your car loan.

Insure your car

If you've not had your driving licence for long, it's often the case that you haven't taken out any other loans. However, you are more at risk statistically of having an accident. Should you write off your car, not only would you lose it but you would have to continue paying off your loan. However, you can avoid this situation by taking out comprehensive insurance.

Still haven’t found what you’re looking for?

Second-hand car loan details (instalment loan)

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 3.68% , you pay 60 instalments of 268.94 euros per month or 11,136.33 euros in total. Rate applying from 3 January 2018 for terms of up to 60 months, for an instalment loan used to finance a second-hand car more than two years old. The vehicle must be bought by a private individual.

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

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