Personal Loans Header

LOANS

Loans that make things happen

Why is a KBC Loan right for me?

Discount

Discounted rates with a KBC Current Account

Flexible

Borrow between €5k and €50k over 1-5 years

Control

You can repay your loan early

Charges

No set up charges or arrangement fees

Current Account Cross Sell Block

Get more from your loan with a KBC Current Account

Current account discount with KBC
Get one of the lowest rates on the market for loans over €10,000^ with a KBC Current Account.

Get more from your loan with a KBC Current Account

Get one of the lowest rates on the market for loans over €10,000^ with a KBC Current Account.

Looking for less than €5,000?

The KBC Credit Card could meet your needs

Responsive Image

The Need-to-Knows

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

  • 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.

    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. 

  • At KBC we're here to help you manage your loan 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 1850 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: 0761 07 2000

    Visit their website: www.mabs.ie

  • Take advantage of our competitive fixed rates exclusively for KBC Current Account customers

    Loan Amount Standard Personal Loan Rate Current Account Discount Rate
    €5,000 -
    €9,999
    9.56% (9.99% APR) 8.64% (8.99% APR)
    €10,000 - €50,000 7.07% (7.30% APR) 6.13% (6.30% APR)

     

    Discounted rates only apply if loan is repaid from a KBC Current Account.

    Please refer to the Current Account Discount section for additional information.

Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.