Warning, borrowing money also costs money.
Structure Your Projects with a Personal Loan
Discover a clear and predictable financing solution to bring your plans to life in Belgium and Luxembourg. The Personal Loan, a form of consumer credit, provides you with fixed monthly payments for complete control over your budget. Calculate your loan and move forward with confidence.
Calculate your monthly paymentsLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Understanding the Personal Loan: A Structured Financing Solution
The Personal Loan is a type of credit where you borrow a fixed sum of money and repay it through constant periodic payments (or “installments”) over a defined term. It is the most common form of personal loan in Belgium and Luxembourg because it offers perfect visibility into your financial commitments.
A Personal Loan can finance a wide range of needs:
- Home improvements: finance a new kitchen, furniture, or decoration.
- Making a major life event happen: wedding, honeymoon, organizing a family event.
- Purchasing equipment: a powerful computer, new home appliances, sports gear.
- Investing in your skills: paying for professional training, a driver’s license.
- Managing an unexpected expense: handling a sudden, large cost by spreading it out over time.
Our online calculator allows you to instantly visualize the framework of your future loan:
- The amount you can borrow to make your project a reality.
- Your fixed and manageable monthly payment, for a budget with no surprises.
- The repayment schedule that adapts to your financial capacity.
With a fixed interest rate and a clear repayment plan from the start, the Personal Loan is the solution of choice for those who prioritize security and predictability in managing their finances.
Free • No obligation • Quick initial response
The Advantages of a Personal Loan: Security and Simplicity
The Personal Loan is valued for its clear framework and ease of setup, offering unparalleled peace of mind:
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Budgetary predictability: With a fixed rate and constant monthly payments, you know exactly how much you pay each month, from the beginning to the end of the loan. No unpleasant surprises.
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Fast application process: The application is simple and can often be completed entirely online. The absence of complex collateral (like a mortgage) speeds up the review and disbursement of funds.
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Versatile use of funds: While its repayment is structured, the use of the funds is unrestricted. You generally do not need to provide invoices to justify your expenses.
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Contractual transparency: The APR (Annual Percentage Rate) gives you a complete view of the cost. The loan agreement clearly details all your rights and obligations.
This structure makes the Personal Loan the ideal financing tool for responsibly planning expenses and investing in life projects.
Getting Your Personal Loan: The Key Steps
Our process is streamlined to offer you clarity and efficiency at every stage.
1. Evaluation and Calculation
Use our online tool to define the amount and term that suit you. Instantly see a proposed monthly payment and the associated APR.
2. Application Submission
Complete the online application and gather the necessary documents (ID, proof of income).
3. Analysis and Decision
Our experts review your repayment capacity. An initial decision is communicated to you as quickly as possible.
4. Contract Agreement
Upon approval, you receive the contract offer. You can sign it, including electronically for faster processing.
5. Disbursement of Funds
Once the contract is signed and the legal withdrawal period has passed, the funds are transferred to your chosen bank account.
Throughout this process, our advisors are available to guide you and clarify any questions.
Conditions That Secure Your Budget
The Personal Loan is designed to integrate smoothly and predictably into your financial management:
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A generally fixed interest rate: This is the cornerstone of security. The rate does not change throughout the loan term, which guarantees stable monthly payments and protects against rate hikes.
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A defined repayment schedule: By choosing the term (from 12 to 120 months, depending on the case), you set a monthly payment adapted to your income. The longer the term, the lower the monthly payment.
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The right to early repayment: The law allows you to pay off your loan ahead of schedule, in full or in part. Capped fees may apply, but this option gives you flexibility.
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Compliance with Belgian and Luxembourgish law: Our offers are strictly governed by local legislation (Code of Economic Law in BE), ensuring you maximum protection as a consumer.
This clear structure allows you to borrow responsibly, with full knowledge of the long-term impact of the credit on your budget.
The Personal Loan, a Tool for Sound Financial Management
Used wisely, a Personal Loan is more than just a loan: it’s a financial planning tool.
Anticipate and Plan
The calculator helps you measure the financial commitment before you even apply. Integrate the future monthly payment into your budget to ensure it is sustainable.
Stay in Control of Your Loan
If your financial situation improves, consider a partial early repayment. It can reduce either the loan term or the amount of the remaining monthly payments.
Rely on Our Experts
Our advisors are here to confirm with you that your project aligns with your borrowing capacity, ensuring an informed and secure decision.
By thoughtfully integrating a Personal Loan into your finances, you empower your ambitions while maintaining your budgetary balance.
They Trusted Us with Their Projects
“For our wedding, we wanted a clear budget with no surprises. The Personal Loan from CPE Crédit was perfect: a fixed monthly payment that we could easily fit into our expenses. The advisor explained the repayment schedule perfectly.”
“I had to finance unexpected repairs on my house. The Personal Loan allowed me to spread the cost over 36 months. The process was fast and the terms were very transparent, which was reassuring.”
What our clients appreciate most:
- The efficiency of the process, from the online calculation to receiving the funds.
- The predictability and transparency of the financial terms.
- The quality of advice and personalized support.
A well-chosen Personal Loan is the guarantee of successfully carrying out your projects while keeping full control of your finances.
Personal Loan FAQ
Find answers here to frequently asked questions about the Personal Loan, a structured and secure consumer credit solution available in Belgium and Luxembourg.
A Personal Loan is an amortizing loan. This means a defined amount is borrowed a single time, then repaid via constant monthly payments over a fixed term. Each monthly payment (or “installment”) contains a portion of the principal and a portion of the interest. Its main characteristic is predictability: the rate, the monthly payment, and the term are known from the outset.
Also called a personal loan, it is intended for any adult resident of Belgium or Luxembourg with a stable income who wishes to finance a project without providing proof of purchase (invoice, etc.). It’s the ideal solution for anyone seeking a clear and secure financial framework.
Eligibility is based on the analysis of your ability to repay the loan without jeopardizing your financial stability. Lenders examine several points:
- Income stability: You must prove regular income (salary, pension, stable self-employment income…) sufficient to cover your current expenses plus the new monthly payment.
- Healthy financial situation: Your debt-to-income ratio must not be excessive. In Belgium, a check with the Central Credit Register (NBB) is performed to ensure you have no payment defaults on other loans.
- Administrative criteria: You must be an adult (18 years or older) and legally reside in Belgium or Luxembourg.
Each application is subject to a personalized review to ensure responsible lending.
The calculator is an essential planning tool. It allows you to play with the two key variables of the loan: the amount borrowed and the repayment term. In just a few clicks, it gives you a clear, quantified view of your project:
- Your exact monthly payment, which allows you to see if it fits well into your monthly budget.
- The total cost of the credit (the interest you will ultimately pay).
- The APR (Annual Percentage Rate), which allows you to compare offers.
It is a non-binding step that transforms a project idea into a concrete financial plan, helping you make an informed decision.
The difference is fundamental. A Personal Loan is a “closed” and amortizing credit: you borrow a fixed amount and repay it over a fixed term with fixed monthly payments. At the end, the debt is paid off. It’s a very secure framework.
A revolving credit (or line of credit) is an “open” reserve of money that replenishes as you make repayments. You can draw from it as you wish. Its rate is often variable and higher, and its structure can encourage ongoing debt. For a one-time, defined project, the Personal Loan is generally the most structured and safest solution.
Yes, absolutely. The law protects consumers by guaranteeing the right to early repayment, whether for the entire outstanding balance or just a part of it. This is an excellent option if you receive an unexpected windfall, as it reduces the total cost of your credit.
The lender is entitled to request a prepayment fee to compensate for the loss of interest, but this fee is strictly capped by law. The precise conditions are always detailed in your credit agreement.
Legally, insurance is not mandatory to take out a Personal Loan, unlike a mortgage. However, it is highly recommended.
This is called outstanding balance insurance. It protects your loved ones by covering the repayment of the remaining principal in the event of death. Some insurance policies also cover disability or job loss. It is an important safeguard for you and your family. The cost of this insurance, if you subscribe to it, will be clearly indicated to you.