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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

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

  • icone faq question
    Will I be charged an administration fee when I take out a personal loan?

    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 with BGL BNP Paribas 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
    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.

  • 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.



(1) For a loan of EUR 20,000 repayable over 48 months at a fixed interest rate of 5,40 % per annum, you will repay 48 instalments of EUR 464,73 (excluding optional insurance). No application fee. APR Fixed APR: 5,59 % per annum (Offer subject to terms and conditions and monthly inflows of at least EUR 1500 into your BGL BNP Paribas Pack). Total amount due by the borrower: EUR 22.307,04.

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.