{"id":6788,"date":"2026-04-07T04:53:03","date_gmt":"2026-04-07T03:53:03","guid":{"rendered":"https:\/\/www.credafin.be\/car-loan\/car-loan-hits-a-historic-low-at-0-85"},"modified":"2026-04-07T04:53:03","modified_gmt":"2026-04-07T03:53:03","slug":"car-loan-hits-a-historic-low-at-0-85","status":"publish","type":"post","link":"https:\/\/www.credafin.be\/en\/car-loan\/car-loan-hits-a-historic-low-at-0-85","title":{"rendered":"Car Loan Hits a Historic Low at 0.85%"},"content":{"rendered":"<p style=\"text-align: justify\"><strong>2018 marks the arrival of a change in <a href=\"https:\/\/www.credafin.be\/en\/car-loan\">car loans<\/a>. A change that should delight all <a href=\"https:\/\/www.credafin.be\/en\/car-loan\">buyers of a new car<\/a>, or a used one less than 3 years old. Indeed, CBC bank now offers a car loan rate of 0.85%, unprecedented on Belgian soil. And it seems that other banks have decided to follow suit as they are now announcing the same rate&#8230; More details.<\/strong><\/p>\n<p><!--more--><\/p>\n<p style=\"text-align: left\">Beobank, which had a personal loan rate of 0.89% in 2017, has been dethroned, but let&#8217;s bet they will come back with an even more attractive rate in the coming months&#8230;<\/p>\n<p style=\"text-align: justify\">With the auto show taking place in mid-January, it&#8217;s likely that Beobank will announce its promotional rate at that time. One of this bank&#8217;s successes is that it has always offered the most competitive personal loan rates, and it&#8217;s expected to surprise us once again. A personal loan rate below 0.85% wouldn&#8217;t be surprising coming from this financial institution, but it would be a historical first, as a 0.85% credit rate is already unprecedented.<\/p>\n<h2>Revised Financing<\/h2>\n<p style=\"text-align: justify\">2018 is also the year of change for financing. While some finance at 100%, others go up to 120% to cover both the cost of the vehicle and all additional expenses such as various taxes, etc.<\/p>\n<p style=\"text-align: justify\">Moreover, as in many other European countries, several banks are favoring buyers of eco-friendly cars by offering them preferential car loan rates. Based on the energy label that categorizes vehicles from A to G, owners of A and B vehicles may enjoy rates of 0.90% at some banks, including BNP Paribas.<\/p>\n<p style=\"text-align: justify\">In an era where competition is high and fierce, <a href=\"https:\/\/www.credafin.be\/en\/personal-loan\">personal loan offers<\/a> are becoming increasingly attractive, especially from certain dealerships where they can be found at 0%. It&#8217;s important to remember that a car loan is never free and to always pay attention to all conditions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Unlock your 0.85% car loan now and drive away with savings\u2014click to discover this historic low rate!<\/p>\n","protected":false},"author":22,"featured_media":7141,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"car loan","_yoast_wpseo_title":"Car Loan Hits a Historic Low at 0.85% | Credafin","_yoast_wpseo_metadesc":"Discover how a 0.85% car loan can revolutionize your budget\u2014act now and secure this record-low rate before it\u2019s gone!","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"https:\/\/www.credafin.be\/en\/car-loan\/car-loan-hits-a-historic-low-at-0-85","_yoast_wpseo_focuskw_text":"car loan","_yoast_wpseo_schema":"Article","footnotes":""},"categories":[65],"tags":[],"class_list":["post-6788","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-car-loan"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Car Loan Hits a Historic Low at 0.85% | Credafin<\/title>\n<meta name=\"description\" content=\"Discover how a 0.85% car loan can revolutionize your budget\u2014act now and secure this record-low rate before it\u2019s gone!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.credafin.be\/en\/car-loan\/car-loan-hits-a-historic-low-at-0-85\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Car Loan Hits a Historic Low at 0.85% | Credafin\" \/>\n<meta property=\"og:description\" content=\"Discover how a 0.85% car loan can revolutionize your budget\u2014act now and secure this record-low rate before it\u2019s gone!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.credafin.be\/en\/car-loan\/car-loan-hits-a-historic-low-at-0-85\" \/>\n<meta property=\"og:site_name\" content=\"Credafin\" \/>\n<meta property=\"article:publisher\" content=\"http:\/\/www.facebook.com\/Credafin.be\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-07T03:53:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.credafin.be\/wp-content\/uploads\/2018\/01\/credit-auto-taux-record.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"780\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Francis\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta 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