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.
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).
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
There are no administration fees at BGL BNP Paribas.
Yes, opening an account with BGL BNP Paribas is a pre-requisite for obtaining a loan.
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.
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.
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 4,00 % per annum, you will repay 48 instalments of EUR 452,14 (excluding optional insurance). No application fee. APR Fixed APR: 4,13 % per annum (subject to paying your salary into an “Essentiel” account held with our bank). Total amount due by the borrower: EUR 21.702,88.
The hypothetical example is 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.