Warning, borrowing money also costs money.
I’m expecting a baby: prepare for their arrival with peace of mind
Discover practical tips and our financing solution, the Birth Loan, to experience your pregnancy without stress and welcome your child in the best conditions. Set up the nursery, buy essential equipment, and manage unexpected events with complete tranquility.
Simulate my Birth LoanLegal 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.
The Birth Loan: a valuable help to welcome your child
The arrival of a baby is a magical moment, but also a stage that involves many expenses. The Birth Loan is a form of Personal Loan designed to help expectant parents finance all the needs related to this happy event, without having to dip into your emergency savings.
Some examples of financiable expenses for the baby’s arrival:
- Nursery setup: furniture (crib, dresser), decoration, baby monitor.
- Nursery equipment: stroller, car seat, high chair, bathtub.
- First purchases: clothes, diaper supply, care products, baby bottles.
- Unreimbursed medical expenses: specialist consultations, excess fees.
- Need for cash flow: to compensate for a loss of income during maternity/paternity leave.
Thanks to our online simulation, estimate in a few clicks the ideal financing to prepare for this new chapter:
- The budget needed to prepare everything without compromise.
- The monthly payment that fits smoothly into your family finances.
- The most comfortable repayment period for you.
The Birth Loan gives you the freedom and serenity to focus on what’s essential: the joy of welcoming your child.
Free • No obligation • Quick decision in principle
The advantages of financing designed for expectant parents
Organizing a child’s arrival takes time and energy. Our financing solution is designed to simplify your life:
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Freedom of use: Finance the stroller of your dreams, the nursery decoration, or build up a cash reserve. You use the funds according to your priorities, without proof of purchase.
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Speed and simplicity: Apply online in a few minutes. Focus on your pregnancy; we’ll take care of the rest quickly.
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A controlled budget: With fixed monthly payments and a fixed term, you know exactly where you stand. No unpleasant surprises for your family budget.
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Total transparency: The simulation gives you a clear view of the APR, monthly payments, and total cost. You commit with full knowledge of the facts.
With these assets, the Birth Loan is the ideal financial ally to approach this new family life with confidence and serenity.
The steps to get your Birth Loan
A simple and fast process to allow you to focus on what’s essential.
1. Simulate your project
Use our simulator to define the budget needed for the baby’s arrival and choose a suitable monthly payment.
2. Complete your application
Fill out the online form and prepare your supporting documents (ID, income) for a quick review.
3. Receive a response
Our advisors carefully review your file and provide you with a decision in principle as quickly as possible.
4. Sign the contract
After approval, sign your contract from anywhere, including electronically for greater convenience.
5. The funds are disbursed
The money is transferred to your account. You can start your shopping and preparations for the big day!
A serene budget for a blissful pregnancy
We know this period is full of changes. That’s why our financing solutions adapt to you:
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Fixed monthly payments: With a fixed rate, your repayments don’t change. This is the stability you need to plan your family budget with confidence.
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An adapted term: Choose a repayment period that allows for a comfortable monthly payment, without putting pressure on your finances.
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Early repayment possible: A birth bonus? A gift from the family? You can repay your loan earlier, in accordance with the law.
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A protective legal framework: Our offers strictly comply with Belgian and Luxembourgish laws to guarantee you optimal protection.
Anticipating expenses for a bright family future
A well-planned Birth Loan is the best way to build a cozy and secure nest for your family.
List your needs
Take advantage of financial peace of mind to list everything you need, without stress. Compare prices and make the best choices for your child.
Preserve your savings
Rather than emptying your savings account, the loan allows you to spread out the expense. This way, you keep a safety reserve for real emergencies.
Benefit from our advice
Our advisors understand the challenges of expectant parents. They are here to listen and help you find the solution best suited to your new life.
They prepared for their baby’s arrival with us
“We were a bit overwhelmed by the shopping list for our first child. The Birth Loan allowed us to buy everything at once, from the nursery to the car seat, without stress. The funds were available quickly. Real peace of mind!”
“Expecting twins, the costs were doubled! The simulator helped us to properly assess our budget. The advisor’s support was wonderful in adjusting the monthly payment. We were able to prepare everything serenely before their arrival.”
What our clients appreciate most:
- The speed in getting the funds to start shopping.
- The simplicity of the online application, without unnecessary paperwork.
- The attentiveness of our advisors who understand the needs of families.
Birth Loan FAQ
Find the answers to the questions all expectant parents ask about financing the arrival of a child.
The Birth Loan is not a separate banking product, but the commercial name we give to a Personal Loan (or Installment Loan) when it is used to finance expenses related to the arrival of a child. It is a consumer credit that allows you to have a sum of money at your free disposal, which you then repay in fixed monthly installments over an agreed period. Its great strength is its flexibility: you do not need to provide receipts to justify your purchases.
You can use the funds for absolutely anything you want to prepare for your child’s arrival. Here is a non-exhaustive list:
- The nursery: crib, changing table, wardrobe, decoration…
- Baby gear: stroller, infant car seat, high chair…
- Daily essentials: clothes, diapers, toiletries, baby bottles, sterilizer…
- Health expenses: uncovered delivery costs, specialist consultations…
- Other: childcare costs, buying a larger car, building a cash reserve for parental leave.
There is no absolute rule, but we generally advise starting the process during the second trimester of pregnancy. This gives you plenty of time to:
- Assess your needs and the necessary budget.
- Submit your application without rushing.
- Receive the funds and start your shopping serenely, well before the due date.
Anticipating will save you the stress of financial procedures in the final weeks of pregnancy.
Yes, the arrival of a child is taken into account in the analysis of your budget as it represents a new “charge” for the household. However, credit institutions are fully aware of this. The analysis will be based on your overall financial situation (income, existing expenses, job stability). The important thing is that the new monthly payment fits balancedly into your budget, leaving a sufficient “disposable income” for your family. Applying before the birth can sometimes be administratively simpler.
This is a personal choice, but a loan offers strategic advantages:
- Preserve your emergency fund: Keeping a sum of money available is crucial for dealing with real unforeseen events (car breakdown, urgent repair…).
- Spread out a large expense: The complete equipment for a baby can cost several thousand euros. A loan allows you to spread this cost over several months or years, which is less impactful on your monthly budget.
- Make no compromises: The loan allows you to immediately buy the quality and safe equipment you want, without having to wait until you have saved the full amount.