Bicycle loan

Bicycle loan


The bicycle business has been booming of late, thanks to increasingly more people wanting high-quality bikes of their own. The launch of the e-bike has also been instrumental in boosting bicycle sales, as it helps overcome a number of barriers to people taking up cycling, like long distances or hilly terrains.

The trend towards e-bikes and higher-quality bikes has pushed up the average price of a bicycle. Since buying a new bicycle represents a major investment for your customers, it may be interesting for them to finance this purchase.


KBC allows its partners to offer its customers the opportunity to take out a bicycle loan to help finance their purchase. Based on the price of a specific item, this service calculates the amount to be paid off each month. Customers interested in this service will be redirected online to the KBC environment where they can apply for and confirm the loan digitally.


Offering a bicycle loan when a customer is considering buying a new bicycle can be a decisive factor. Not only that, it upgrades the customer journey and improves customer satisfaction.


There are currently three ways to access this service: 


1 QR code - now available

  • You provide your customers with a flyer containing the schedule of loan rates and a QR code.
  • The customer scans your shop’s unique QR code with their device.
  • They are automatically redirected to KBC’s instalment loan application page, where they can fill in the application form either in the shop or at home in their own time, without any involvement on your part.
  • Once the loan is approved and the bike delivered, the total cost of the bike will be transferred directly to your business account.
  • This way of working does not require any additional IT work or generate any additional costs.

2 Widget - now available

  • KBC has developed a widget for your website which customers can use to run a simulation if they want to take out finance to buy their bicycle. Based on the financing amount and term, the customer can immediately see how much they have to pay off each month. If they decide to apply for the loan, they can do so on the KBC website (or via Touch or Mobile).
  • If your website has been created by Wordpress, we can offer a fully customised proposal and the IT work involved will be minimal. If not, we can still provide a ready-made widget, but this requires some IT work on your part.

3 API simulation - now available

If you prefer to use a widget with the look-and-feel of your own business, you can use our simulation API. Any partner who meets the selection criteria and signs our contract can use this API.

  • The customer will be able to use the widget to adapt the financing amount and term. If they decide to apply for a loan, they can do so on the KBC website (or via Touch or Mobile).
  • The API we provide is a 'plug-and-play' API. This means that it can be used immediately by any partner, with the minimum of IT requirements.

4 Coming soon

As of 2020, the entire process will be available via API, including the existing simulation feature, the loan application process and the ability to print out the loan contract.

Like to embed our offering into your customer journey?

Get in touch with us



This website uses cookies to make your online experience easier and to fit your needs and preferences. By browsing this website, you agree to the use of these cookies.Learn more and see how to decline cookies.