New carpets? A walk in wardrobe? Floor-to-ceiling leopard print? You can’t buy taste, but you can add your personal touch with a KBC Home Improvement 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
Complete the online application form above
apply by phone on 1800 51 52 53
apply in any KBC Hub
Once we have assessed your application we will contact you with a decision and advise on next steps.
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. From time to time we may ask you for further documents.
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 31st March 2017.
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.
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.