Whether it’s a bigger car or some wheels of your own, make it happen with a KBC Personal Loan.
- Get the guaranteed lowest rate on the market for loans over €10,000 at 6.30%APR^ with a KBC Current Account.
- Borrow between €5,000 and €50,000 over 1-5 years^^
- Flexibility to repay your loan early ^^^
- No set up charges or arrangement fees
Make An Appointment
How to apply
Our application process is quick and simple:
Simply apply online or;
Here's what you'll need to apply:
- Call us on 1800 51 52 53 or pop into your nearest KBC Hub
- We’ll chat with you and help you choose the best loan option for you
- As soon as we get your information and the necessary documents we’ll get back to you quickly with a decision
If you are Approved in Principle1 and your salary is not paid into a KBC account you will be required to provide documentation as follows
- Your most recent current account bank statements (last 3 months) for the account to which your salary is paid.
- One salary slip
If you are a new KBC customer you will also be required to provide ID. Details of acceptable ID will be provided to you in the Approval in Principle confirmation e-mail. From time to time, KBC may ask you for further documents.
1Approval in Principle is an indication of the amount you may qualify for based on the information you provide to us and is not an official offer.
Our competitive rates
Take advantage of our competitive fixed rates exclusively for KBC current account customers*
||Standard Personal Loan Rate
||Current Account Discount Rate*
|9.56% (9.99% APR)
||8.64% (8.99% APR)
|€10,000 - €50,000
||7.07% (7.30% APR)
||6.13% (6.30% APR)
*Exclusive rates only apply if loan is repaid from a KBC Current Account
Managing your debt
At KBC we're here to help you manage your Personal Loans payments. If you'd like to make a payment on your Personal Loan you can call us on 1850 81 21 66. If you’re concerned about meeting repayments or if you’re experiencing financial difficulties, talk to us. We’re committed to finding a workable solution.
KBC Bank Ireland Arrears Support Unit - 1850 930 235
If your financial situation has changed recently or you are concerned about your finances, you can also contact Money Advice and Budgeting Service (MABS) or visit their helpful website mabs.ie.
MABS Helpline - 0761 07 2000
Terms and conditions
Information is correct as at 16th December 2016.
Lending criteria, underwriting, terms & conditions apply. The KBC Personal Loan is subject to repayment capacity, financial status and is not available to persons under 18 years of age. APR means Annual Percentage Rate.
All information, prices and rates are for guidance only and do not form part of a legal contract, agreement or understanding.
^ See bonkers.ie for verification. Market refers to the banking market only. Offer rate of 6.30% APR (6.13% Fixed) on loans over €10,000. Discount offer is available with respect to new Personal Loan applications only and is subject to availability. To avail of the optional discounted rate, you must repay the loan from your KBC current account by direct debit. The discounted rate is a discount on the standard personal loan rate which equates to a 1% discount on the Annual Percentage Rate (“APR”), which may vary.
Handy representative example**:
€10,000 fixed rate loan over 5 years (60 months).
Monthly repayments of €193.93.
Rate of interest 6.13% p.a. fixed.
Representative Annual Percentage Rate (APR) 6.30%.
Total cost of credit would be €1,635.98.
Total amount repayable would be €11,635.98.
^^Personal loans for home improvement and certain other purposes will be considered for terms up to 10 years, subject to borrowing amount. For more information about our longer term options please contact us
^^^There is no early repayment charge if the total amount repaid early is less than €10,000. For amounts of €10,000 or more, you will be obliged to pay a charge. The charge will be 1% of the amount repaid early if more than one year of the term of the loan remains. If one year or less of the term remains, the charge will be 0.5% of the amount repaid early.
**This represents a saving of over €265 compared to the equivalent standard KBC Personal Loan. Example is based on the discounted rate and adhering to the terms and conditions.
You may have to pay charges if you pay off your personal loan early. Loan Discount offer is available with respect to new Personal Loan applications only and is subject to availability. To avail of the optional discounted rate, you must repay the loan from your KBC current account by direct debit. If you cease paying your KBC Personal Loan by direct debit from your KBC current account, you will lose the discount. The discounted rate is a discount on the standard personal loan rate which equates to a 1% discount on the Annual Percentage Rate (“APR”), which may vary.
Before being bound by a credit agreement, we are obliged to provide you with a standardised information document called the Standard European Consumer Credit Information (‘SECCI’) form. It is designed to give you the best overview of the key information and terms and conditions of any credit agreement you consider, allowing you to compare the offers of different credit providers and select the credit offer that works best for you. The SECCI contains important details such as: the type of credit, amount and costs of credit, the Annual Percentage Rate (APR), the number and frequency of payments, as well as a note on important legal aspects.