It's your Mortgage Day!
Important Customer Notice
KBC Bank Ireland would like to draw your attention to some important information.
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HOME IMPROVEMENT LOANS
Loans that get you from planning to perfect.
Whatever you’re planning, we can help you along
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Flexibility to repay your loan early |
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Interest rates from 6.3% APR fixed on loans over €10k with a KBC Current Account |
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Borrow between €5k-€50k over 1-5 years |
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No set up charges |
Home Improvement Loans Calculator
Use our handy calculator to play with your options.
Get one of the lowest rates on the market for loans over €10,000 at 6.30% APR fixed with a KBC Current Account.*
The results are based on the current offered rate for Personal Loans (as set out above and which includes the current account discount), which is fixed. This rate may change between obtaining this estimate and receiving your loan agreement. The total amount repayable is based on the assumption that the interest rate will remain unchanged for the duration of the loan term. Details of our rates can be seen below. Please see full Calculator Terms of Use below.
The results are based on the current offered rate for Personal Loans (as set out above and which includes the current account discount), which is fixed. This rate may change between obtaining this estimate and receiving your loan agreement. The total amount repayable is based on the assumption that the interest rate will remain unchanged for the duration of the loan term. Details of our rates can be seen below. Please see full Calculator Terms of Use below.
What happens next?
Loan application are easier when you know what to expect.
1
Get ready to apply
You're going to need the following:
Your Payslips
Most recent payslip (max 2 months old) that shows 1 month salary.
2
Start your application
You can start your application online.
3
We’ll contact you
We’ll be in touch to give you a decision.
In order to process your application we may ask you to provide documentation to help us assess your ability to repay the credit facility, and to confirm your identity. If you are borrowing to refinance a loan, the most recent loan statement will be required showing the loan account number. in some instances we may also ask you for further documents.
Over the phone
You’ll get us on the phone 7 days a week from 8am to 8pm Monday to Friday and 9am to 5pm on Saturday and Sunday.
Benefits
Great rates
With a KBC Current Account - just 6.3% APR fixed for loans over €10,000!
Flexible terms
Borrow between €5,000 and €50,000 over 1-5 years.
Control
You can repay your loan early.
Charges
No set-up charges or arrangement fees.
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
The Need-to-Knows
Information is correct as at 1st 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.
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*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
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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 KBC Current Account discounted rate and adhering to the terms and conditions.
Repayments must be made from a KBC Current Account.
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The personal loan calculators allow you to calculate repayments and compare the likely extent of any savings which may be available to you by switching your personal loan to KBCI.
The information provided by these calculators is for illustrative and guidance purposes only, is non-binding and is subject to change.
KBCI does not assess the suitability of a KBC Personal Loan for your needs, we do however assess the affordability of the personal loan for you as part of the application.
Please note this is not an offer of a loan and you are required to apply for a personal loan and lending criteria, terms and conditions apply.
No quotation or estimate shall be capable of acceptance unless and until it is contained in a formal Letter of Offer issued by KBCI and signed by both KBCI and the customer.
All letters of offer will be accompanied by the full terms and conditions which will apply to the facility in question.
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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 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
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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 -
€9,9999.56% (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.
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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