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Car Loan

Borrowing for your car? Go for 100% convenience | Attention, borrowing money also costs money.

Whether you’re looking for something classic, electric, fresh off the lot or second-hand, you’ll find the right ING Car Loan for your budget.

  • Online request

    Apply for your car loan quickly and securely online. You see online if we can approve your application.

  • Tailor-made pricing

    Choose the amount and term that suit you best. You’ll enjoy the confidence that comes with getting an interest rate tailored to your personal situation.

  • Fixed interest rate

    Your repayments will remain the same every month. That means no confusing one-off fees on your bill!

Already an ING customer?

  1. Calculate your monthly repayments in minutes with our online loan simulator by logging in. You’re under no obligation to apply so adjust the conditions until you find what you’re looking for!
  2. Get your quote. You’ll immediately* receive a quote (subject to prior approval of your file by ING) with your personal interest rate. This rate will be valid for 20 days.
  3. Sign your agreement. We’ll transfer the money for your new car into your current account as soon as we receive and approve the signed application and supporting documents.

* During the opening hours of The Central Individual Credit Register (Mo – Sat: 4 am – 11.30 pm. – Sun: 12 pm. – 11.30 pm).

Not a customer yet?

Make an appointment in a branch for more info about ING Car Loan.

  1. Request your offer

    ... by entering your information

  2. Sign your offer

    ... and receive the borrowed money in your account

Representative examples for an ING Car Loan (instalment loan for private purposes). 

Rate valid on 06/10/2022, subject to change with notice prior to conclusion of the agreement.

For a new car (excluding electric / eco models)

With an instalment loan for private use of 17,500 euros over 60 months with an annual percentage rate and a fixed debit interest rate of 3.46%, you‘ll pay 317.62 euros per month, totaling 19,057.20 euros.

For a second-hand car more than 3 years old

With an instalment loan for private use of 10,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 4.46%, you‘ll pay 227.45 euros per month, totaling 10,917.60 euros.

For a new electric or eco-car

With an instalment loan for private use of 12,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 3.01%, you‘ll pay 265.44 euros per month, totaling 12,741.12 euros.

What is an ING Car Loan?

The ING Car Loan is an instalment loan for personal use intended for the purchase of a new or second-hand vehicle, regardless of whether it’s a car, motorbike or motorhome. This car loan is subject to the law on consumer credit (charges).

Who can get an ING Car Loan?

To be eligible for this loan, you must be at least 18 years of age and the vehicle for which you are borrowing must be for personal use.

Need a vehicle for your business? Check out our ING Business Loan instead.

How much can I borrow?

The minimum amount you can borrow with an ING Car Loan is 1,300 euros. The maximum amount varies depending on the term and your ability to repay the loan.

When do I need to repay the loan?

Your loan has a minimum term of six months. The maximum term depends on the amount you borrow and your ability to repay the loan.

What impacts my interest rate?

Your interest rate depends on your customer profile, the age of your car, the amount you borrow and the term of your loan. The annual percentage rate of charge (APR) is the total price of your loan on an annual basis. This means it takes into account interest and any loan charges. You won’t pay any administration fees.

Find out more about consumer credit rates (pdf).

Eco car definition:

  • Fuel emission below 132g CO2
  • Hybrid or electric cars
  • LPG
  • CNG
  • Other non-fossil fuels