Borrowing money

Instalment loan

What is an Instalment loan?

An Instalment Loan is a personal loan which allows you to put your plans into action without dipping into your savings or investments.


  • Made to measure: the repayments and term are adapted to your budget.
  • Balanced budget: you do not have to draw on money you have saved or invested.
  • An individual rate is possible.
  • You can be sure of a quick decision regarding your application.



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We offer various specific instalment loans depending on your reason for borrowing. For instance:


Intend to use your loan for another purpose? Then you can choose between:

  • an Instalment Loan for a given purpose: furniture, a PC, a bicycle, a caravan, a trailer, a boat, etc.
  • an Instalment Loan for an unspecified purpose: personal expenses, a family event, tax, inheritance tax, cost of studies, driving lessons, etc.

You pay a fixed monthly amount. The interest rate depends on the loan amount and term. The minimum term is 12 months. The maximum term varies depending on the amount borrowed:


Amount borrowedMaximum term (in months)
From EUR 1 250 to EUR 2 50024
From EUR 2 500.01 to EUR 3 70030
From EUR 3 700.01 to EUR 5 60036
From EUR 5 600.01 to EUR 7 50042
From EUR 7 500.01 to EUR 10 00048
From EUR 10 000.01 to EUR 15 00060
From EUR 15 000.01 to EUR 20 00084
More than EUR 20 000120


  • Instalment Loan Insurance protects your family against the financial problems that might arise if you die or become fully work-incapacitated during the term of the loan.
  • Unemployment Insurance shields your budget from the effects of becoming unemployed during the term of the loan.


Whether you're seeking a loan for private or professional purposes, BNP Paribas Fortis is by your side. As a responsible lender. Indeed, a loan must help you to move forward in life, not lead you into financial difficulties. Our financing products are intended to help you turn healthy, feasible projects into reality, in a spirit of shared responsibility between yourself and the bank.


This principle of responsible lending can be easily illustrated through our promises.


  • Firstly, we take the time to listen carefully to you in order to offer you a solution which is adapted to your project and your needs.
  • Next, we give you a clear overview of our credit formulas and advise you in a clear, transparent manner.
  • To protect you as much as possible from any risk of indebtedness, your project is examined in detail so as to determine your solvency and the most appropriate regular repayment.
  • Finally, we strive to be ever-more accessible, via the various communication channels we offer.


Our support procedure is thus in place for the duration of each of your loans.


Brochure (pdf, FR)


Type of loan: Instalment loan. Subject to approval of your application by AlphaCredit SA/NV, lender, Rue Ravenstein/Ravensteinstraat 60, B-1000 Brussels, Brussels Register of Companies (RPM), VAT BE0445.781.316, a subsidiary of BNP Paribas Fortis SA/NV. Delegated agent: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702.

Instalment Loan Insurance and Unemployment Insurance are AG Insurance products, distributed by BNP Paribas Fortis.


AG Insurance sa/nv – 53 boulevard Emile Jacqmain, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0404.494.849 –
Accredited insurance company licenced under code number 0079, under the supervision of the National Bank of Belgium, 14 boulevard de Berlaimont, 1000 Brussels
BNP Paribas Fortis sa/nv, 3 Montagne du Parc, B-1000 Brussels – RPM/RPR Brussels – VAT BE 0403.199.702, registered with the FSMA under n° 25.879A and acting as a contractually appointed insurance agent on behalf of AG Insurance sa/nv.


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