Make it happen with a KBC Personal Loan
Spreading the cost of school fees? Getting married? Refinancing a loan? Whatever your plans, a KBC personal loan can help make it happen.
- Get one of the lowest rates 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
See how much you could save with KBC
Terms & Conditions (pdf, 123 KB) apply.
Illustration is based on the term chosen and a borrowing amount of €10,000 at the KBC rate of 6.13% Fixed (6.30% APR) inclusive of the KBC Current Account discount offer vs. a competitor* APR of X.XX%. Rates published as of 8th May 2020 sourced from publicly available information.
Please note that this comparison calculator is only for illustrative and guidance purposes to provide an estimate of the savings that could be made between a personal loan from KBC Bank Ireland plc (‘KBCI’) and personal loans from alternative credit providers*. The estimate is based on the limited information you have provided and does not consider your individual financial circumstances. All information and rates (including the APR) included in this calculator have been obtained from Bonkers.ie and are reviewed and updated on a regular basis. You should note that banks may apply interest calculations in different ways. The estimated saving is based on the assumption that the KBCI personal loan will be repaid by direct debit from a KBCI current account and that the repayment schedule set out in your credit agreement is adhered to (ie:- there are no late, missed or early repayments).
KBC Bank Ireland Plc (“KBCI”) makes no representation or warranty as to the suitability of the KBCI Personal Loan for your needs. The estimate of savings is not binding on KBC Bank Ireland plc and is subject to change. KBC Bank Ireland accepts no liability or responsibility for any loss or damage caused or arising from or in connection with your use of the comparison calculator or any reliance you place on the estimate generated by the comparison calculator.
The use of the comparison calculator and the provision of an estimate of savings shall not be construed as an offer by KBCI of a personal loan facility to you. You are required to apply for a KBC personal loan facility and lending criteria, terms and conditions apply.
*The calculator is based on the current standard variable rates available from Bank of Ireland, AIB Bank and PTSB, Ulster Banks rates are based on current standard fixed rates.
How to apply for a KBC Personal Loan
Complete the online application form above
apply by phone on 1800 51 52 53
apply in any KBC Hub
apply through the KBC Mobile App if you are already a KBC Current Account customer.
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. If you are borrowing to refinance a loan, the most recent loan statement will be required showing the loan account number. From time to time we may also 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 93 02 35. 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
Important Information - Terms and conditions
Information is correct as at 30th September 2019.
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.
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.