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Buy now and pay later

with Van Marcke

A home improvement loan at your fingertips.

Convenient loans for better homes.

Fund your next home improvement project with Izola Credit and turn your house in to the home of your dreams.

If you haven't had the chance to save up for your home improvement project, but are keen to get started right away, then Izola Credit could be an option to consider.

Izola Credit is an unsecured loan product which is available for consumers who purchase goods from any Van Marcke Inspiration store in Belgium. Whether you want to purchase a new kitchen or bathroom, or perhaps invest in eco-friendly products from Van Marcke, an Izola Credit loan can help spread the cost of your purchase into smaller, more manageable payments.


Our loans are available to finance goods up to the amount of €25.000. There are two types of loan facilities available, depending on which goods you would like to purchase.

 

Green Loans

For eco-friendly items, such as boilers and water heaters.

Renovation Loans

For new kitchens or bathrooms.

Why choose an Izola Credit loan?

Whether you’re renovating your home or purchasing eco-friendly goods like solar water heaters, Izola Credit comes with a range of attractive features.

Competitive Interest Rates

We offer highly competitive rates in comparison to other banks in Belgium.

Buy now and pay later

Purchase your goods now and start paying 6 months after delivery.*

Variable terms

You can apply for a loan term from 24 to 120 months depending on the loan type, amount and purpose.

Chat to us

We believe in providing real people to speak to. Call us or chat online from Monday to Friday 8am to 5pm CET.

Enjoy 6 months with no interest

You will pay no interest on the first 6 months of your repayments.

Borrow from €1.250 up to €25.000

You can decide how much to apply for, choosing an amount that best suits your budget and planning requirements.

Cover both purchase and installation

It’s entirely at your discretion if you’d like to include the cost of installation with your loan.

Easy and fast way to check your eligibility

Check your eligibility for a green or renovation loan via our loan calculator. We’ll provide you with an instant decision based on the information provided.

*Terms and conditions apply. Izola Bank will only provide finance where the underlying goods are purchased from Van Marcke. Once Izola Bank approves the loan, all payments will be made directly by Izola Bank to the supplier of the goods/service against presentation of invoice/s.

Our rates compared to other bank loans in Belgium

Green Loans

Izola Bank 1.90%
Belfius 1.75%
KBC 1.80%
ING 1.95%
Fortis 1.80%
Beobank 1.99%

Renovation Loans

Izola Bank 2.70%
Belfius 2.95%
KBC 2.95%
ING 3.25%
Fortis 2.95%
Beobank 2.99%

Green Loans

Izola Bank 1.90%
Belfius 1.75%
KBC 1.80%
ING 1.95%
Fortis 1.80%
Beobank 1.99%

Renovation Loans

Izola Bank 2.70%
Belfius 2.95%
KBC 2.95%
ING 3.25%
Fortis 2.95%
Beobank 2.99%

Rates are correct as at 6 January 2020. Source www.spaargids.be

Izola Bank is authorised by the Financial Services and Markets Authority (FSMA) to provide consumer lending in Belgium.

Van Marcke NV Overzet 14, 9000 Ghent, Belgium, is registered as a credit intermediary in Belgium.

There are numerous options available...

Both for the loan amount and the repayment duration.

Amounts vary from €1.250 until a max of €25.000 for a period of 2 to 10 years.

 

Loan Amount

Maximum Duration

€1.250 - €3.700

24 months (2 years)

€3.701 - €7.500

36 months (3 years)

€7.501 - €10.000

48 months (4 years)

€10.001 - €15.000

60 months (5 years)

€15.001 - €20.000

84 months (7 years)

€20.001 - €25.000

120 months (10 years)*

*for Green Loans only  

 

 

Loan Amount

Maximum Duration

€1.250 - €3.700

24 months (2 years)

€3.701 - €7.500

36 months (3 years)

€7.501 - €10.000

48 months (4 years)

€10.001 - €15.000

60 months (5 years)

€15.001 - €20.000

84 months (7 years)

€20.001 - €25.000

120 months (10 years)*

*for Green Loans only  

 

 

Get a decision in minutes.

Applying for an Izola Credit loan is quick and easy.

  1. Step One
    Use our online calculator to check your eligibility.
  2. Step Two
    Once your loan amount and duration are approved, move on to complete our online application form.
  3. Step Three
    Submit the necessary documentation that is requested.
  4. Step Four
    We’ll review the documentation and send you the final credit agreement within two working days for you to sign, scan and email back to us.
  5. Step Five
    You receive the invoice from Van Marcke or from your installer.
  6. Step Six
    Send the invoice to us and we’ll pay Van Marcke or your installer directly.
  7. Step Seven
    Start repaying the loan 6 months after delivery and then enjoy your first 6 months of repayments interest free.

Haven’t decided yet?

Don't worry. We appreciate you might need time to consider which loan to apply for. Download this free guide about the benefits of Izola Credit to help you decide.
 

Your top questions answered

Does Izola bank require any security for the consumer loan?

Izola Credit is an unsecured loan product and you are not required to provide any security for green or renovation loans.

How much does it cost for a consumer loan?

Izola Bank provides competitive interest rates both on Green and Renovation loans and these rates are comparable with these offered by major Belgian banks.

Are there any charges for early repayment of my loan?

No, Izola Bank will not charge you if you decide to repay your loan before the final date on your repayment schedule.

Will Izola Bank perform a credit search on my past credit performance?

Yes, Izola Bank will perform a search with the National Bank of Belgium on your past performance to assess your credit history. Any searches carried out on your name will be recorded and other lenders will be aware that Izola Bank has requested information on your credit history.

How do I get the money once the loan contract is signed?

Payments will be done directly to Van Marcke or your installer upon presentation of the invoice and a confirmation that the products have been installed correctly.

Still have questions? We have the answers.

If you are still unsure or you would like further information, please visit our Help Centre to find the answers to your questions.