Instalment loan

Need new office furniture? Investing in new IT equipment or machines? This means major expenditure which we give you the possibility of repaying over time.

What is the Instalment loan?

The Instalment loan allows you to stagger the payment of acquired assets while also letting you put them to immediate use.


  • Made to measure: you borrow exactly what you need for your project.
  • Flexibility: a loan over the short or long term, depending on the expected economic life of the financed asset. 
  • Fast: the sum borrowed is credited directly to your Current account.
  • Reliability: few, if any, guarantees required.




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We recommend that you choose a term for your Instalment Loan that reflects the expected economic life of your investment. The term is a minimum of 6 months but can be up to 10 years.


The fixed interest rate is made to measure by us. It depends, among others, on the term of the loan, the drawdown period and the repayment method selected.

Prefer to repay monthly or quarterly? Opting for half-yearly or annual repayments? Select the repayment frequency that suits you best. You can also choose between fixed and declining-balance repayments.

Social security contributions, holiday pay, year-end bonuses, etc., these are all expenses that need to be met and sometimes simultaneously.

Rather than taking these amounts from your liquid assets, you could borrow the total amount by taking out an instalment loan for social security and tax purposes with a repayment schedule of a minimum of 6 months and a maximum of 12 months.

What happens if you die before your Instalment Loan is repaid? Your family then faces an enormous financial debt. To prevent this occurring, we recommend that you take out death cover under an Instalment Loan Insurance policy when you agree to a loan. Your family will then no longer be responsible for repaying it.


Instalment Loan Insurance is an AG Insurance product, 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.

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.


General terms and conditions (pdf, FR)

Lender: BNP Paribas Fortis SA/NV, Montagne du Parc 3, B-1000 Brussels – RPM/RPR Brussels – VAT BE0403.199.702 . Subject to acceptance of your application.

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