KBC Loans

Important Update: When your account is closed or when it transfers to Bank of Ireland you will no longer be able to view or manage your account in the KBC App or Online Banking. To ensure you have access to the documents you need after your account is closed or transferred you should now download your statements or important documents from the KBC App or Online Banking.

Loans Download Booklet

Here's what you need to know

We've put together some useful tips and frequently asked questions for you.

What's happened?
If your account was included in the transfer we have written to you providing notice of the transfer and outlining what this means for your account. Your Personal Loan has transferred automatically. Bank of Ireland have written to you as well with important information. If your Personal Loan has not transferred we will write to you with more information and next steps. The Legal Transfer of your Personal Loan completed on the 03rd February and you can now contact Bank of Ireland about the day to day servicing of your account. Where you have any questions about the Transfer or about your BOI Personal Loan generally, please contact Bank of Ireland’s KBC Transition Support team on 0818 210 290, 8am-8pm Monday-Friday (excluding bank holidays) or + 353 1 250 0305 (if calling from outside Ireland). Alternatively, you can find answers to some frequently asked questions at boi.com/KBCsupport.
What to expect...
KBC Personal Loans have moved to Bank of Ireland and your repayment date, repayment amount and rate will remain the same. Where you have any questions about the Transfer or about your BOI Personal Loan generally, please contact Bank of Ireland’s KBC Transition Support team on 0818 210 290, 8am-8pm Monday-Friday (excluding bank holidays) or + 353 1 250 0305 (if calling from outside Ireland). Alternatively, you can find answers to some frequently asked questions at boi.com/KBCsupport.
What you need to do...
Please read all communications carefully to make sure you don’t miss any important information about your BOI Personal Loan.

Arrears Support Customers

If your Personal Loan is in arrears or on an repayment arrangement, the information set out above also applies. Your current arrangement will remain in place and Bank of Ireland will get in touch with you with more details on how their Arrears Support Unit will support you in managing your Personal Loan.

Loans Help Hub

What's changing?

We've put together some useful information for you.

Your Personal Loan

KBC Personal Loans have transferred to Bank of Ireland.

If your account was included in the transfer we have written to you providing notice of the transfer and outlining what this means for your account. Your Personal Loan has transferred automatically. Bank of Ireland have written to you as well with important information.

If your Personal Loan has not transferred we will write to you with more information and next steps.

The Legal Transfer of your Personal Loan completed on the 03rd February and you can now contact Bank of Ireland about the day to day servicing of your account.

Where you have any questions about the Transfer or about your BOI Personal Loan generally, please contact Bank of Ireland’s KBC Transition Support team on 0818 210 290, 8am-8pm Monday-Friday (excluding bank holidays) or + 353 1 250 0305 (if calling from outside Ireland). Alternatively, you can find answers to some frequently asked questions at boi.com/KBCsupport.

 

Important Info

Important Things to Know…

You will keep your current personal loan rate when you transfer.

Direct Debits do not automatically transfer to Bank of Ireland. Bank of Ireland have written to you with the new payment details and ways to repay your personal loan.

If you currently receive a Personal Loan discount with your KBC Current Account, you will continue to do so . You are not required to open a Bank of Ireland Current Account to avail of this discount. You can close your KBC Current Account and your Personal Loan Discount will be honoured  by Bank of Ireland .

Mortgages Contact Us - Post Migration

Hi!

If you have any questions about the Transfer or about your account generally, please contact Bank of Ireland’s KBC Transition Support team.

0818 210 290, 8am-8pm Monday-Friday (excluding bank holidays)
+353 1 250 0305 (if calling from outside Ireland)
Find answers to some frequently asked questions at boi.com/kbcsupport

Need help or support? 

Important Information about your KBC Personal Loan

Information is correct as at 4th December 2020.

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. Max loan amount €50,000. 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.

    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.

    Discounted Rate

    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.

    Please note that you are not obliged to avail of the “Discounted Personal Loan Rate” and you can open a KBC Personal Loan and a KBC Current Account without availing of the Discounted Personal Loan Rate. Fees and Charges and Terms and Conditions are applicable to the KBC Current Account.

    Please note there are no additional fees applicable for the Discounted Personal Loan Rate however there are fees and charges applicable in connection with the Personal Loan account, details of which will be set out in the Personal Loan Terms and Conditions that will be issued to you if your application is approved

    Flexible Terms

    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.

    Control - You can repay your loan early

    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

  • At KBC we're here to help you manage your credit card payments. 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:

    Credit Management Team
    The Credit Management team helps customers who may be at risk of experiencing financial difficulties. If you are worried about your financial circumstances, please contact a member of the Credit Management team today on 01 664 6300. We are open from 9am to 5pm, Monday to Friday.

    KBC Bank Ireland Arrears Support Unit
    Please contact us on 0818 930 235 if your financial situation has changed recently or you are concerned about your finances.

    MABS (Money Advice & Budgeting Service)
    The Money Advice & Budgeting Service is a national, free, confidential and independent service for people in debt or in danger of getting into debt.
    MABS Helpline: 0818 07 2000
    Visit their website: www.mabs.ie