Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Buyway BE review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Buyway BE is a Belgian lender built around a fixed rate personal loan and a revolving credit line, both aimed at adults funding home improvement. At 7.49% APR on loans of €5,000 to €10,001 it ranks 105 of 338 lenders on this site.

Key facts

Best for
Home improvement borrowing at a fixed rate from a Belgian lender.
APR
7.49%↗
Loan amount
€5,000 to €10,001↗
Term
12 to 57 months↗
Funding time
Within 2 business days of the request, money arrives in the customer's bank account↗
Representative example
Personal loan (pret a temperament) of 10,001.00 EUR over 57 months at 7.49% APR (fixed debtor rate): 57 monthly payments of 207.88 EUR, total 11,849.16 EUR↗
Rate type
Fixed↗
Lender type
Direct lender↗
Loan types
Credit-line, Personal↗
Use cases
Home-improvement↗
Legal entity
BUY WAY PERSONAL FINANCE SA↗
Headquarters
Belgium↗
Founded
1988↗
Support channels
Chat, Help-centre, Phone↗
Pricing model
Fixed rate
Features
Credit line
Official website
buyway.be

Credit cards

Currency conversion fee
2.5%↗
Rewards type
None↗
Perks
Contactless payments, Apple Pay, Google Pay, Optional insurance (Cardif Full Cover) covering certain risks linked to the credit facility, ATM cash withdrawals, Payouts from the credit facility to your bank account, Buy Way Mobile app to check available balance, confirm online purchases and view statements, Legal zeroing (zerotage) of the outstanding balance↗
Card kind
Credit↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInXfr-fr.facebook.com

Pros and cons

Pros

  • Personal loans priced at a fixed 7.49% APR, borrowed over 12 to 57 and sized €5,000 to €10,001.
  • BUY WAY PERSONAL FINANCE SA lends as a direct lender, so no broker sits between you and the decision.
  • The credit card takes contactless payments, Apple Pay and Google Pay, with a mobile app for balances, purchase confirmation and statements.
  • Support runs on chat, help centre and phone.

Cons

  • The floor is high: personal loans start at €5,000 to €10,001, so smaller bills sit with other lenders.
  • Card costs add up abroad with a 2.5% currency conversion fee, and the card earns nothing back as the rewards type is none.
  • The use case is narrow, listed as home improvement, so this is renovation money rather than general borrowing.
Buyway BE

Ready to try Buyway BE?

Scored 9.4 / 10 by SumCue.

See alternatives

Who it suits

  • Adults in Belgium financing a renovation or home improvement project
  • Borrowers who want one fixed rate loan plus a revolving credit line from a direct lender
  • People who want a linked credit card with a mobile app for balances and statements

Who should look elsewhere

  • Cashspace, whose PHP 12 to PHP 36 APR range sits well above the 7.49% APR here
  • Creduma ES, whose from €12,000 starting amount is above the €5,000 to €10,001 range offered by Buyway BE
  • Sofkredit, whose 10.74% to 18.06% APR range runs higher for anyone shopping purely on rate

Who runs it

BUY WAY PERSONAL FINANCE SA lends from Belgium and has been operating since 1988. It is listed with the FSMA, the Financial Services and Markets Authority in Belgium, under licence number 019542A. Anyone who needs a person can call, chat or work through the help centre, since support runs on chat, help centre and phone.

How Buyway BE compares

Where Buyway BE is available

Available
Belgium
Licence in Belgium
FSMA (Financial Services and Markets Authority, Belgium) (019542A), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What rate does Buyway BE charge on a personal loan?+

The personal loan runs at a fixed 7.49% APR, and the rate type is listed as fixed. Loans are sized €5,000 to €10,001 and spread across 12 to 57. The stated example pairs that rate with equal monthly payments, so the instalment is known before you sign.

Is my money safe with Buyway BE?+

Buyway BE is supervised by the FSMA, the Financial Services and Markets Authority in Belgium, which lists it under licence number 019542A. The lending and the support both come from the same licensed company, BUY WAY PERSONAL FINANCE SA, so no third party stands between you and the money.

How quickly does the money arrive?+

Funding on the credit line is quick: money arrives in the bank account within a couple of business days of the request. The facility is a revolving credit line tied to the card, so a later drawdown does not mean applying for a whole new loan.

What comes with the credit line and its card?+

The revolving credit line is paired with a credit card for contactless payments, Apple Pay and Google Pay, ATM cash withdrawals and payouts to your bank account. A mobile app shows the available balance, confirms online purchases and lists statements, and optional Cardif Full Cover insurance covers certain risks linked to the credit facility.

What does spending on the card cost abroad?+

Paying in another currency on the card triggers a 2.5% currency conversion fee on top of the exchange rate. No rewards offset it, since the rewards type is listed as none. Optional Cardif Full Cover insurance can be added for certain risks linked to the credit facility.

What is the smallest amount I can borrow?+

Personal loans run €5,000 to €10,001, so the floor is well above the small sums found elsewhere on this site. Where a larger purchase is the goal, 12 to 57 gives room to spread repayments. Compare that floor with from €12,000 if you need a bigger borrowing.

How do I get help with the loan or the card?+

Support runs on chat, help centre and phone, so you can call, chat or work through the help centre. Those channels cover questions on the loan and on the credit line, while the mobile app handles balance checks, purchase confirmation and statements for the credit card.

Who is Buyway BE meant for?+

The stated use case is home improvement, and the lending sits with BUY WAY PERSONAL FINANCE SA in Belgium. It suits adults financing renovation work who want a fixed rate loan and a revolving line from the same lender, rather than a marketplace that passes an application on to others.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

Buyway BE

Buyway BE

Home improvement borrowing at a fixed rate from a Belgian lender.

9.4/10See alternatives