ING Car Loan
Buy your car without breaking your budget!
With the ING Car Loan, financing a new or second-hand vehicle is quick, easy and offers you many benefits. You can calculate your monthly repayments and apply online. It is as easy as that!
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A simple loan with easy application
By simply applying online you will easily get a reply for your car loan.
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Attractive interest rate
Take advantage of one of the most competitive fixed interest rates on the market.
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Up to 110% of the purchase price
Borrow up to 110% of your vehicle's purchase price*.
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Repayments to suit you
Repay your loan at your own pace, through fixed instalments.
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.
Borrow from €2,000 and up to 110%.
The minimum amount you can borrow to finance a vehicle is €2,000.
Would you like to borrow a little more than the price of the vehicle in order to pay for your ING Car Insurance? Well, now you can! For even greater convenience, you can borrow up to 110% of the vehicle's purchase price.
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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.
There are 3 ways you can apply for your ING Car Loan:
Apply for your ING Car loan online or via Home’Bank. If you apply for your loan via Home’Bank you can sign your contract straight away. You can also apply in an ING branch. In this case make an appointment directly with the ING branch of your choice.
Apply for your loan
Enter your information online
Sign your agreement
As soon as your application is approved
Attention, borrowing money also costs money.
The ING Car Loan is an installment loan for personal use. 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' in Home'Bank or 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).
* Interest rate only applicable for a new environment-friendly car: cars with emissions of less than 120 grams of CO2/km - vehicles equipped with a thermo-electric motor (hybrid vehicles) or with a completely electric motor - vehicles that run on LPG - vehicles that run on CNG (= compressed natural gas) - vehicles that run on other non-fossil fuels (e.g. hydrogen).
A concrete 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 (instalment 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 fixed APR (annual percentage rate) of 0.95% (fixed) debit interest rate of 0.95% per annum) (in force on 12/01/2018, variable subject to notice prior to the conclusion of the contract) you will repay 298.73 euros a month (i.e. a total of 17,923.80 euros after 60 months).
A concrete example : let us say that you take an ING Car Loan valid for any ING Car Loan taken out for any new green vehicle (instalment 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 fixed APR (annual percentage rate) of 0.85% (fixed) debit interest rate of 0.85% per annum) (in force on 12/01/2018, variable subject to notice prior to the conclusion of the contract) you will repay 254.34 euros a month (i.e. a total of 12,208.32 euros after 48 months).
In the case of online applications: answer within 48h. In the case of applications via Home’Bank: immediate answer during the opening hours of the National Bank of Belgium.
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.