Looking for a car loan?
- Have up to 12 months to draw down your loan
- Work out your loan online
- Even if you’re not yet a customer with us
Whether you are looking for a loan to finance a petrol, diesel, plug-in hybrid or 100% electric car, KBC has the car loan for you. If you’re still unsure which loan is best suited to the car you have in mind, we’ve provided a handy comparison of our car finance options below.
KBC has the right car loan for every type of vehicle
Fossil-fuel car*
Petrol, diesel, LPG or non-plug-in hybrid
Calculate at 3.59% for cars not more than 3 years old
Need a loan to buy a car that’s more than 3 years old? Run a simulation
Plug-in hybrid car*
Plug-in hybrid that emits less than 50g of CO2 per kilometre
Calculate at 3.35% for cars not more than 3 years old
Need a loan to buy a car that’s more than 3 years old? Run a simulation
Electric car*
100% electric
Calculate at 3.35% for cars not more than 3 years old
Need a loan to buy a car that’s more than 3 years old? Run a simulation
Our KBC Touch and KBC Mobile apps let you easily work out and apply for your car loan. You get the same low interest rate as you would at our branches.
* Representative example
Fossil-fuel car
Representative example: for an instalment loan of 20,000 euros to be repaid over 60 months at an annual percentage rate of charge and fixed actuarial debit interest rate of 3.59%, you pay 60 monthly instalments of 364.13 euros (or 21,847.75 euros in total). Rate valid as from 4 September 2025 for instalment loans taken out for up to 60 months by private individuals and used to finance the purchase of a new vehicle.
Plug-in hybrid car
Representative example: for an instalment loan of 25,000 euros to be repaid over 60 months at an annual percentage rate of charge and fixed actuarial debit interest rate of 3.35%, you pay 60 monthly instalments of 452.56 euros (or 27,153.44 euros in total). Rate valid as from 4 September 2025 for instalment loans taken out for up to 60 months by private individuals and used to finance the purchase of a plug-in hybrid car that is new.
100% electric car
Representative example: for an instalment loan of 25,000 euros to be repaid over 60 months at an annual percentage rate of charge and fixed actuarial debit interest rate of 3.35%, you pay 60 monthly instalments of 452.56 euros (or 27,153.44 euros in total). Rate valid as from 4 September 2025 for instalment loans taken out for up to 60 months by private individuals and used to finance the purchase of an electric car that is new.
A fixed-rate car loan
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 term of the loan.
Discover our Car Loan Plus
After a new car, but want to budget for it in a different way than you would with a traditional loan? Sounds like you should take a look at our Car Loan Plus, a type of balloon loan.
- For all types of car not more than three years old
- Worth considering if you change cars every few years
- You pay less per month and a larger lump sum at the end
- You can dip into your savings or sell your car* to make this lump-sum payment
With this loan, you pay a smaller amount each month and decide how to pay off the balance at the end of the term either using your savings and keeping the car, or selling* the car and using that money to pay what’s still owed.
* Important: your car may be worth less than what you still have to pay.
Learn more about borrowing for a car
A car loan from KBC allows you pay for your new or second-hand car in monthly instalments. You choose how much you borrow and for how long. Thanks to the fixed rate of interest, you always know exactly what you’ll have to pay each month. This ensures you’ve got total control over your budget.
You can work out your car loan in just a few clicks. Enter the amount you need, choose the term and see your monthly repayment right away. If you’re happy with the proposal, you can apply for your loan online immediately, even if you’re not a customer with us.
How much you can borrow depends on your personal situation. We take a look at your income, expenditure and the amount you need for your car. When you work out your loan online, you’ll immediately see what’s possible for your budget.
The APR, or annual percentage rate of charge, shows you the total cost of your loan per year. This means you know exactly where you stand, with no surprises.
The best term for you depends on how much you want to borrow and how much you can afford to pay back each month. The longer the term, the less you'll have to pay each month and the easier it will be to pay off the loan. The shorter the term of your loan, the more you'll have to pay each month, but you'll pay it off sooner and also end up paying less interest. At KBC, you choose what you prefer to do.
There are a few legal constraints that apply to the term of a loan (these are automatically built into the loan calculator).
| Amount borrowed (in euros) |
Maximum term (in months) |
|---|---|
| Up to 2,500 | 24 |
| Up to 3,700 | 30 |
| Up to 5,600 | 36 |
| Up to 7,500 | 42 |
| Up to 10,000 | 48 |
| Up to 15,000 | 60 |
| Up to 50,000 |
72** |
| Up to 50,000 | 84** |
** only for cars not more than three years old
** only for brand-new cars registered for the first time or with no more than 1000 kilometres on the clock
Your car loan will be paid to you:
- When your car is delivered
- After KBC receives the relevant signed documents and proof of investment (order form or invoice)
- By crediting the account from which your monthly repayments will be made
You start paying off your car loan one month after it is paid to you. All subsequent payments are made on the same day of the month on which you made the initial repayment.
Example illustrating when repayment is to made
Suppose KBC makes your loan available to you on 25 March. You will then start repaying your loan on 25 April, with all subsequent repayments scheduled for the 25th of the month.
Account for repaying the loan
If you already have a current account at KBC, 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 into which the loan was paid.
If you don't have an account at KBC, you can also pay off your loan by direct debit from the account you hold at another financial institution.
If you see a dealer offering an interest-free car loan, pay close attention to the terms and conditions – you often have to pay a higher deposit or you’re restricted to a limited range of models. Read the article below to learn the best way to critically examine the fine print. The clear rate and transparent terms of a car loan with KBC mean you immediately know where you stand.
As a private individual, you can choose between claiming a flat-rate deduction or declaring your actual work-related expenses in your tax return.
If you opt for the flat-rate deduction, you don't have to declare any expenses. However, if your actual work-related expenses are higher, it may be more beneficial to submit them instead.
In that case, the interest on your car loan is also tax deductible, but only to the extent you use your car for work purposes. In addition, the tax authorities provide a fixed allowance of 0.15 euros per kilometre if you use your car to travel to and from work and depreciate it.
We’ll be happy to help. Our web page on how to go about selling your car provides a list of tips and things to remember, such as a model contract of sale.
A ‘balloon loan’ is a loan where you pay a lower amount each month until you come to the end of the term, when you make a larger lump-sum payment (i.e. the remaining amount owed). You decide whether you want to pay it out of your savings or by selling your car.
Important: make sure you have enough funds in reserve to pay the amount concerned at the end of the term if, say, your car is worth less than expected.
Find out more
