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Personal loan: a solution with no surprises

A personal loan is a hassle-free option for financing planned or unexpected expenses.

  • 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.

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 discuss our range of solutions.

Line of credit: for unexpected expenses or impulse buys

To cover an unexpected expense or buy yourself something special, take advantage of the OptiLine credit facility.

  • always available, with no expiration date;
  • use the line of credit via your current account and V PAY card;
  • the overdraft is paid off as payments are made to your account;
  • interest paid only on the amounts drawn.

Cash advance and cash reserve: on request

The “Réserve Privilège” is a cash reserve that can be used at any time without justification.

  • always available, with no expiration date;
  • monthly repayment between 2% and 5% of the amount of the line of credit;
  • cash transfers possible at any time from the reserve to your current account;
  • always available: you can build your reserve back up as you repay it;
  • interest paid only on the amounts drawn.
  Personal loan OptiLine Réserve Privilège
Term Maximum 60 months Indefinite Indefinite
Maximum amount €75,000 €12,500 €37,500
Repayments Amortising loan: fixed monthly repayments The overdraft is paid off as payments are made to your account Minimum monthly repayments of 2% of the Réserve Privilège amount
Early repayment Yes Yes Yes
Usage Once, with agreement Free with the use of a current account Free through the transfer of cash from the Réserve Privilège to your current account
Optional insurance that covers the repayment of the balance in the event of the policyholder's death Yes Yes Yes

Offer subject to conditions and approval of your application by the bank.

Need cash to cover an unexpected expense?

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Marc’s boiler is leaking and needs to be replaced as soon as possible. After discussing it with his BGL BNP Paribas advisor, Marc opts for the Réserve Privilège. Marc can pay the boiler bill and get the heating back. He makes repayments at his own pace and restores his personal reserve for any other unforeseen expenses or impulse buys.

Did you know? Insurance can cover the outstanding loan amount in the event of death.

deux personnes qui se tiennent les mains

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.

Frequently asked questions about personal loans

  • icone faq question Do I have to pay an administration fee to obtain a personal loan or line of credit?

    There are no administration fees at BGL BNP Paribas.

  • icone faq question Do I have to open an account to get a personal loan?

    Yes, opening an account is a pre-requisite for obtaining a loan.

  • icone faq question 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.

  • icone faq question Can I increase the limit of my OptiLine credit facility?

    Your limit is calculated depending on your income, outgoings and recurring expenses. If you exceed your arranged overdraft limit, overrun interest is charged.

  • icone faq question What tax deductions am I entitled to?

    A maximum of €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 €672 cap.

    Tax deductibility varies based on the personal situation of each client and is subject to change.

  • icone faq question 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.