Vehicle

Car Loan

Buy your car without breaking your budget!

With the ING Car Loan, financing a new, second-hand or ecological car is easy. You can calculate your monthly repayments and apply online.

Calculate and apply for my car loan

  • A simple loan with easy application

    By simply applying online you will easily get a reply for your car loan.

  • Repayments to suit you

    Repay your loan at your own pace, through fixed instalments.

  • Attractive interest rate

    Take advantage of one of the most competitive fixed interest rates on the market.

What is a car loan?

The ING Car Loan is a loan repayable in instalments for the purchase of a new or second-hand vehicle, be it a car, motorbike or campervan.

Who can apply for an ING Car Loan? Any person who wishes to obtain credit to purchase a vehicle without destabilising their budget or using up their savings.

Loan amount, term, fees and charges

The minimum amount you can borrow to finance a vehicle is €1,300.

  • Minimum and maximum terms
  • The minimum term of your loan is set at 6 months. The maximum term of your ING Car Loan depends on the amount you borrow and your ability to repay the loan.
  • You have no administration fees to pay.
  • The interest rate offered (APR) depends on the age of the vehicle, the amount you borrow and the term of the loan. What is the Annual Percentage Rate (APR)? This rate indicates the total cost of your loan on an annual basis. It takes into account interest payable, as well as any fees that may apply to the loan.
  • Refer to the charges for consumer loans (PDF).
  • Your loan is paid into your account .
  • If you take out an ING Car loan we will pay the invoice amount into your Current account.
Your ING Car Loan online or via Home’Bank

There are 2 ways you can apply for your ING Car Loan:

Apply for your ING Car loan online or you can also apply in an ING branch. In this case make an appointment directly with the ING branch of your choice.

  2. Apply for your loan

    Enter your information online

  3. Sign your agreement

    As soon as your application is approved

Attention, borrowing money also costs money.

Attention, borrowing money also costs money. The ING Car Loan, for what we call a second hand car, is an installment loan for personal use for a minimum amount of 1,300 euros and a minimum term of 6 months. The maximum term of the ING Car Loan is 60 months depending on the amount borrowed and on your ability to repay. Offer reserved for private individuals aged 18+ and subject to prior acceptance of your case by ING Belgium and to mutual agreement. The general terms and conditions and interests rate of the loan are available from any ING branch. Your application and any approval of your application by ING Belgium (after examination of your case by ING Belgium) at the branch or via the 'Consumer loans online' at www.ing.be are not binding either for ING Belgium or for you until you have signed the loan agreement at your ING branch (subject to prior approval of your case by ING), after that the details communicated in the application have been checked beforehand for accuracy and completeness (partly on the basis of the documents provided or yet to be provided). As an illustrative example, let us say that you take an ING Car Loan valid for any ING Car Loan taken out for any new vehicle at the exception of green vehicles (installment loan for private purposes) for an amount of 17,500 euros (average amount granted by ING for this type of loan) for a term of 60 months. With a APR (annual percentage rate) of 1.15% (fixed debit interest rate of 1.15% per annum) (in force on 15/01/2021, variable subject to notice prior to the conclusion of the contract) you will repay 300.22 euros a month (i.e. a total of 18,013.20 euros after 60 months). As an illustrative example, let’s say you take out an ING Car Loan for a second-hand car: A loan for a vehicle aged more than 3 years (installment loan for private purposes) for an amount of 10,000 euros(average amount granted by ING) and a term of 48 months will have a APR (annual percentage rate) of 3.95% (fixed debit interest rate of 3.95% per annum) (in force on 23/09/2019, variable subject to notice prior to the conclusion of the contract), which comes to a monthly payment of 225.25 euros (i.e., a total of 10.812 euros after 48 months). As an illustrative example, let us say that you take an ING Car Loan valid for any ING Car Loan taken out for any new green vehicle (installment loan for private purposes) for an amount of 12,000 euros(average amount granted by ING for this type of loan) for a term of 48 months. With a APR (annual percentage rate) of 0.99% (fixed debit interest rate of 0.99% per annum) (in force on 15/01/2021, variable subject to notice prior to the conclusion of the contract) you will repay 255.06 euros a month (i.e. a total of 12,242.88 euros after 48 months). Response time for online requests: 2 working days. ING Belgium S.A./N.V.– Bank / Lender – Registered office: avenue Marnix 24, B-1000 Brussels – Brussels RPM/RPR – VAT: BE 0403.200.393– BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789.