Bicycle loans

Bicycle loans


Now that more and more people want to own a quality bike, the bicycle business is booming. The development of the electric bicycle has also been instrumental in boosting bicycle sales. The electric bicycle has removed several barriers to cycling, such as long distances and hilly terrain.

The current trend of electric and better-quality bicycles has pushed up the average bicycle retail price. Buying a new bicycle is a major investment for your customers, so they may be interested in financing their purchase.


The API for bicycle loans enables you to offer your customers a bicycle loan for their purchase. The loan’s monthly repayments are based on the bicycle’s retail price. Customers interested in this service will be directed to the online KBC/CBC environment where they can apply for and confirm their bicycle loan digitally.


The availability of a bicycle loan can be a decisive factor in the purchase of a new bicycle. It upgrades the customer journey and improves customer satisfaction.


You can now offer this service in three ways:


1. QR code

  • You give your customers a flyer showing the loan repayment schedule and a unique QR code.
  • Customers use their device to scan your QR code.
  • Customers are automatically directed to KBC’s/CBC's instalment loan application page. They can complete the application form in the shop or at home at their convenience without any involvement on your part.
  • Once the loan has been approved and the bike has been delivered, the bicycle’s total price is transferred directly to your business account.
  • This process does not require any additional costs or IT work.

2. Widget

  • KBC has developed a widget for your website that customers can use to make a financing simulation for the purchase of their new bicycle. Your customers can enter the amount and term of their loan to instantly see the monthly repayments. They can then apply for the loan on the KBC/CBC website (or with the KBC/CBC Touch or KBC/CBC Mobile app).
  • If your website has been created using WordPress, KBC/CBC can offer a fully customised proposal. This reduces the IT work involved to an absolute minimum. Otherwise, KBC/CBC can provide a ready-made widget that you can integrate into your system with only a limited amount of IT work.

3. API simulation

If you prefer your widget to have your own brand’s look and feel, you can use our simulation API. This API is available to anyone who meets the selection criteria and signs our contract.

  • Your customers can use the widget to adjust their loan amount and term. They can then apply for the loan on the KBC/CBC website (or with the KBC/CBC Touch or KBC/CBC Mobile app).
  • The API for bicycle loans is a plug-and-play solution: you only have to meet certain basic IT requirements to start using it immediately.

4. Coming soon

As of 2020, the entire bicycle loan procedure will be available in a single API. This will include the existing simulation feature, the loan application process and access to the loan contract.

Interested in embedding our range of services into your customer journey?

Contact us



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