Finance your plans with a personal loan
Need cash to finance a purchase or project?
Already a client? If you have a particular project in mind, go to your Web Banking app to find out your borrowing capacity and apply for a personal loan online. Quick, easy and entirely secure.
Estimate your borrowing capacity
for a future project
Get an agreement in principle instantly(1)
depending on your financial situation
Peace of mind from the comfort of your own home
and at any time
A personal loan is a hassle-free option for financing planned or unexpected expenses.
Key features:
- get between EUR 2,500 and EUR 75,000, depending
- on your borrowing capacity
- duration of 12 to 60 months
- fixed monthly repayments
- configure your loan by choosing the monthly
- repayment date that suits you best
- choose the date on which the funds will be made available
- get an agreement in principle instantly that can be
- accessed at any time, subject to the submission and
- validation of supporting documents.
How to apply for a loan online via Web Banking:
- select “personal loan” in the e-shop
- select the “get an agreement in principle” option
- set your goals
- enter your information
- calculate your borrowing capacity and adjust the amount based on your needs
- configure your loan
- send your supporting documents.
Quick and easy, it only takes a few steps.
You will get an agreement in principle, subject to receipt and validation of supporting documents.
Offer subject to terms and conditions and approval of your application by the bank.
Personal loan: a solution with no surprises
A personal loan(1) is a hassle-free option for financing planned or unexpected expenses.
- From 2500 to a maximum of EUR 75,000
- 12 to 60 months
- fixed monthly repayments
- Flexible: you choose the monthly payment date that best suits you
Apply for a personal loan online!
Already a client? Log on to the 100% secure Web Banking platform to apply for a personal loan online.
Not yet a client? Perform an online loan calculation and application or contact us. An advisor will contact you to help you pick the solution that best suits your needs.
Energy retrofitting loan
Are you planning energy retrofitting work? Follow our guide!
Did you know?
Insurance can cover the outstanding loan amount in the event of death
For greater security and to protect your loved ones, apply for credit protection insurance.
In the event of death, this insurance will cover any remaining payments (subject to the conditions of the policy).
You can take out credit protection insurance for each of our consumer loans: personal loan, OptiLine credit facility or the Réserve Privilège.
Cover unexpected purchases or access a cash reserve on request
At BGL BNP Paribas, we have a range of solutions to meet your financing needs, each of which are tailored to your financial situation.
Do you need to make an unexpected purchase? To cover an unexpected expense or buy yourself something special, take advantage of the OptiLine credit facility.
You can also subscribe to the Réserve Privilège . This is a cash reserve that can be used at any time without justification.
Frequently asked questions
-
Will I be charged an administration fee when I take out a personal loan?There are no administration fees at BGL BNP Paribas.
-
Do I have to open an account to get a personal loan?
Yes, opening an account with BGL BNP Paribas is a pre-requisite for obtaining a loan.
-
What is the point of pooling loans?
When you have multiple loans, you must always ensure that your account has sufficient funds to complete each separate payment. By pooling your loans, you only need to make one monthly repayment. This makes managing your monthly budget that much easier! Taking out a personal loan allows you to finance a project and pool loans at the same time.
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What tax deductions am I entitled to?
A maximum of EUR 672 in debit interest on consumer loans can be deducted as special expenses per person per tax household each year. Tax deductions relating to insurance premiums are included in this EUR 672 cap.
Tax deductibility varies based on the personal situation of each client and is subject to change.
-
Can a loan be paid off early?
You can pay off a loan early, but may be charged early repayment fees set at the time the contract is signed.
(1) For a loan of EUR 20,000 repayable over 48 months at a fixed interest rate of 5,30 % per annum, you will repay 48 instalments of EUR 463,31 (excluding optional insurance and apllication fee). Fixed APR: 5,44 % per annum (subject to paying your salary into an account with a Pack held with our bank). Total amount due by the borrower: EUR 22.232,57. The examples are provided for information purposes only and cannot be considered a loan offer and/or approval. The Bank is not liable for this example or for any decisions made based on this example.
Offer subject to terms and conditions and approval of your application by the bank.
