A Financial Lease allows your business to use a vehicle without an upfront purchase. ING Leasing buys the vehicle from your chosen supplier, and you repay us through fixed monthly instalments. At the end of the leasing term, you can purchase the vehicle at a predetermined residual value, extend the lease or return it.
"},"title":"What is a Financial Lease, and how does it work?"},{"richBody":{"value":"Financial Leasing: you have a residual value (RV) between 1% and 5%, which means the vehicle is considered an asset on your balance sheet.
Financial Renting: you have a residual value (RV) from 15% which allows the vehicle and its associated costs to remain off your balance sheet which can offer certain tax advantages.
"},"title":"What is the difference between Financial Leasing and Financial Renting?"},{"richBody":{"value":"At the end of your Financial Lease you can buy the vehicle, renew your lease or let ING Leasing sell it to a dealer. This flexibility allows you to manage your fleet efficiently.
"},"title":"What are my options at the end of a Financial Lease?"},{"richBody":{"value":"Already an ING customer? Simulate and sign your lease online
Not an ING client yet or in need of specialized vehicles? Submit your request here. Planning to spend more than €250.000? Contact your ING relationship manager for a personalised solution.
"},"title":"How do I apply for a Financial Lease?"},{"richBody":{"value":"You can lease cars, delivery vans, trucks and buses, and agricultural vehicles.
"},"title":"What kinds of vehicles can I lease?"},{"richBody":{"value":"When you borrow, you use funds lent (or credited) to you to purchase the vehicle yourself. You repay the debt over time, but you own the vehicle outright. This also means that the asset (the vehicle), its associated costs, and the borrowed funds themselves appear on your balance sheet and are tied to your company’s credit report. With Financial Lease, ING owns the vehicle that you use. And although the associated costs appear on your balance sheet, you don’t carry the risks of ownership.
"},"title":"What is the difference between leasing and traditional borrowing?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Also interesting"}]},"hasMacro":false,"id":"1eaf8db5-0f3b-47b5-a571-0b49f7ac6e9d","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mentions"},{"componentType":"paragraph","richBody":{"value":""},"textLinks":[{"text":"Processing of your personal data and professional discretion","url":"https://assets.ing.com/asset/dd87b07d-2755-44fd-8497-3b40223cd2bb/Protection-of-personal-data-Lease-ENG.pdf"},{"text":"Or directly - Personal data protection statement for ING Lease Belgium NV/SA and its subsidiaries.","url":"https://assets.ing.com/asset/da0ced73-4733-4d65-9272-df62af62ca0e/Privacy-Statement-Lease-Comfin-ENG.pdf"}]}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Financing","url":"/en/business/financing"}},"componentType":"productHeader","coreHeader":{"body":"Get the vehicle you need without disrupting your cash flow. With an ING Financial Lease, you choose the vehicle you want from any supplier, and we purchase it for you. You lease it for a fixed period with predictable monthly payments, and at the end of the leasing contract you can buy the vehicle, extend the lease or return it. Financial Lease gives you full financing, tax benefits and complete flexibility.","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/29e3a6fecfc28509/original/business-woman-in-red-suit-in-car.jpg","transformBaseUrl":"https://assets.ing.com/transform/9b387a1c-3f5d-46ab-a2ec-bb2553056863/business-woman-in-red-suit-in-car","type":"image","width":960},"promoStickerLayout":"None","subtitle":"A flexible and tax-efficient way to finance your business fleet","title":"Financial Leasing & Renting"},"cta":{"componentType":"cta","textLink":{"text":"Simulate your car lease","url":"https://ebanking.ing.be/banking/instant-lease"}},"secondaryCta":{"textLink":{"text":"Not yet a client? We help you here.","url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1"}},"usps":[{"body":"Retain your cash flow","icon":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"png","original":"https://assets.ing.com/m/55734e44e3bbfe79/original/__box_goods_product_outline.png","transformBaseUrl":"https://assets.ing.com/transform/35eeb5ff-71ee-4e1c-ba92-e8c63f2ac39a/__box_goods_product_outline","type":"image","width":267}},{"body":"Optimize your balance sheet","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/46ab5f40efaacbcc/original/__cash_management_outline.png","transformBaseUrl":"https://assets.ing.com/transform/a84c6dab-0503-4e07-aa63-1f9e75aace46/__cash_management_outline","type":"image","width":267}},{"body":"Finance vehicles quickly and easily","icon":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/2a52796ea6ce5450/original/Car_2_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/f13b042a-599d-4a3d-bc18-3cc9711faf82/Car_2_Outline_RGB","type":"image","width":267}}]},"publishDate":"2026-07-09T15:52:22.351+02:00"}}