Personal loan

Personal loan

Super sharp rate

Take out your loan now at an extra sharp 4.95%* instead of 8.50%!

No invoice required

You don't need to submit any invoices if you wish to take out a personal loan.

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.

Why go for a personal loan?

A personal loan1 is an instalment loan. If you prefer not to touch the money on your savings account, then this type of loan is the ideal way to finance certain expenses. It means your savings stay intact and you're always sure of having funds available to you. Check out the terms and conditions in detail.

Borrowing to go on holiday

Time for a refreshing holiday in the sun or snow? Fancy a city trip or travelling the world? By taking out a personal loan, you can spread these costs over the whole year.

Borrowing for a hobby

Hobbies are great fun, but can often cost a lot of money. Fortunately, you can spread the costs by taking out a loan that's tailored to your needs. You repay the same amount every month at a great-value rate.

Persoonlijke lening

Borrowing to fit out and decorate your home

Does your home need a makeover or have you bought a property that needs fitted out? With a personal loan, you can quickly start enjoying your new-look home interior.

Borrowing to cover your study costs

Students cost on average 12,450 euros a year. With our instalment loan, you repay the same amount every month, so there are no unwelcome surprises.

Borrowing to cover unplanned expenditure

You can take out a loan at KBC Brussels for a wide range of purposes, such as for paying for a special celebration event, or buying multimedia devices and white goods.

Loans from 500 to 50,000 euros

Need 500 euros for a new TV or a grand for a grand new home make-over? We’ve got a loan to suit you.

Apply online to borrow between 500 and 50,000 euros. Make an appointment at your branch to discuss larger amounts and we’ll see what works for you.

Work out your loan

The length of time over which you can make repayments obviously depends on how much you want to borrow. By running a personal loan simulation, you know beforehand exactly how much you'll have to pay and for how long. That way, you yourself decide what your loan will look like.

Everything you need to know about your loan at a glance

You get a complete overview of each loan in KBC Brussels Touch or KBC Brussels Mobile. This lets you see how much you still have to pay off, when the next repayment is due, how long the loan still has to run and how much you pay each month.

How a personal loan works

Repayment

  • Fixed repayment schedule: with a fixed-rate loan, you know in advance how much you have to pay each month. And it's easy to work out using the loan calculator.
  • Start: repayments start one month after your loan amount has been made available.
  • Repayments: repayments are then made on the same day every month.
  • Via current account: you pay off your loan via a KBC Brussels Current Account or the contract number of your loan (i.e. an account into which you can pay the relevant amounts).

Terms and conditions

Not just for KBC Brussels 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 Brussels Touch.

* 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 5.43% , you pay 60 instalments of 199.59 euros per month or 11,975.48 euros in total. Rate applies on 03-05-2017 for terms of up to 60 months, for an instalment loan used to various personal purposes.

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