Multi-purpose loan

Multi-purpose loan


At KBC, we make it possible for people to finish their house, buy a new car or go on a dream holiday without dipping into their savings by offering them the opportunity to take out an instalment loan.

If you are a car dealer, own a bike shop or run a business in the renovation sector, you can now offer your customers a solution to finance their purchases.


When your customers take out an instalment loan, they pay back a fixed amount of the money they’ve borrowed at set intervals and at a fixed rate of interest. With this multi-purpose loan, they are not charged any administration fees and they borrow at a very low interest rate.

After approval of the loan, the total amount (of the purchase) will be transferred directly to your business account.

Your customers can apply for a loan:

  • For personal reasons (e.g., education, holidays, etc.)
  • To buy a car (new or used)
  • To buy a bicycle, scooter, motorcycle or motor home
  • For their home (e.g., renovation work, energy-saving improvements, interior or garden)
  • To cover unforeseen expenses (e.g., related to their home, car, etc.)


Offering your customers the opportunity to take out finance to cover their purchase has only a limited impact on their budget and makes life easier for them.


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 the 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 purchase made or the work finished, the total amount concerned 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 cover their expenditure. Based on the financing amount and term, the customer can immediately see how much they have to pay off each month. If the customer decides 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



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