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Vehicle
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.
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Online request
Apply for your car loan quickly and securely online. You see online if we can approve your application.
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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.
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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?
- 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!
- 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.
- 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.
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Car loan simulation
... with no obligation
Calculate my car loan -
Request your offer
... by entering your information
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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 28/07/2022, 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 2.59%, you‘ll pay 311.04 euros per month, totaling 18,662.40 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 4.49%, you‘ll pay 227.58 euros per month, totaling 10,923.84 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 2.39%, you‘ll pay 262.25 euros per month, totaling 12,588.00 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
Yes, you need a signed quote and/or invoice from your car dealership or a written agreement between private individuals if the car is second-hand.
As soon as we receive and approve the necessary supporting documents, we’ll pay the amount you borrow into your current account.
You’ll start paying it off the month after your receive the money for your loan.
This is certainly possible. In our simulator you can indicate that you want to borrow for a used vehicle. The price of your loan is then calculated based on your entered data.
Most car dealers offer so-called 0% loans. These are not always as interesting as they seem. For example, you have to pay a large amount in advance to be able to enjoy this or you will receive less discount on the car itself. More information and a concrete example of a loan via a car dealer versus via the bank can be found here.
In our simulator you can indicate that you want to borrow an electric or hybrid vehicle. The price of your loan is then calculated based on your entered data.
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Attention, borrowing money also costs money.
The amount that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the loan nor the aforementioned amount are guaranteed by ING Belgium. To determine the amount thus simulated, we took into account a set of data currently known to ING, in particular: your financial situation (i.e. your income and any extra-legal benefits as well as your expenses on your ING accounts as well as your savings, loans and investments with ING), your personal and family situation known to ING (in particular, your age, your personal status, your dependents) and the fact of exercise an independent activity. On the other hand, it is not required to provide the following information (which will be requested and/or verified in the event of a credit application on your part), in particular: your professional situation, the type of residence you occupy, other expenses or income not known to ING or futures, your savings and investments with ING, as well as credit data with third parties consulted with the National Bank of Belgium.
This advertising message, which concerns an installment loan for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement. The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section 'Rates and regulations'). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself. , as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).