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 the difference between Financial Leasing and Financial Renting?","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 are my options at the end of a Financial Lease?","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":"How do I apply for 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":"What kinds of vehicles can I lease?","richBody":{"value":"You can lease cars, delivery vans, trucks and buses, and agricultural vehicles.
"}},{"title":"What is the difference between leasing and traditional borrowing?","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.
"}}]},{"componentType":"sectionTitle","title":"Also interesting"}]},"complementaryZone":{"flexComponents":[{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"ING Starters Package","intro":"The bundle you need to kickstart your business.","image":{"transformBaseUrl":"https://assets.ing.com/transform/214589ac-ca40-4758-849d-35ff75dba29d/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office","type":"image","width":1920,"original":"https://assets.ing.com/m/2a2365f70226b5b5/original/Four-happy-colleagues-sit-around-a-table-with-their-computers-and-phones-in-the-office.jpg","extension":"jpg"},"link":{"url":"/en/business/starters/starterspackage-current-account"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Insurance for company cars and other vehicles","image":{"transformBaseUrl":"https://assets.ing.com/transform/28fe395b-ec30-4cab-81c3-401c383704cc/Female-holding-car-keys-with-car-on-background","type":"image","width":2508,"original":"https://assets.ing.com/m/349ad6973e3021ea/original/Female-holding-car-keys-with-car-on-background.jpg","extension":"jpg"},"link":{"url":"/en/business/insurance/vehicle-insurance"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The benefits of financial leasing for your business","body":"Financial leasing is a popular financing option that eliminates the need for large investments. How does financial leasing work? How does it differ from other formulas? And what unique benefits can it offer you?","image":{"transformBaseUrl":"https://assets.ing.com/transform/c4e17b45-92ba-4250-8ed5-f9276d43e85d/manskepticalfingernopadding","type":"image","width":128,"original":"https://assets.ing.com/m/6443d735b9e995c8/original/manskepticalfingernopadding.svg","extension":"svg"},"date":"2026-01-29","link":{"url":"/en/business/news/the-benefits-of-financial-leasing-for-your-business"}}]}]},"legalZone":{"flexComponents":[{"componentType":"paragraph","title":"Legal notice","richBody":{"value":""}},{"componentType":"paragraph","title":"Protection of personal data and professional discretion","richBody":{"value":"The personal data communicated in connection with any leasing agreement and, where applicable, in the context of the management of such leasing agreement are processed
In particular, the data entered or selected during the online request might be temporarily stored for maximum 30 days for improving the customer experience (marketing) by offering the option for pre-filling data when restarting an uncompleted online request. Or you can choose to start your online request without the data previously stored.
These data are communicated to the other companies of the ING group established in the European Union and carrying out banking, insurance brokerage, financial and/or other activities (list available on request) for the purposes of centralised customer management, marketing (except advertisements by e-mail and unless opposed, on request and free of charge, by the person concerned to direct marketing), global vision of the customer, providing their services (where applicable) and control of the regularity of transactions (including the prevention of irregularities)
They are also communicated to insurance companies outside the ING group and established in the European Union and to their possible representatives in Belgium, for which the bank acts as an insurance intermediary (list on request), provided that they are necessary for the purposes of (if applicable) conclusion and management of insurance contracts (to assess the insured risk), marketing of insurance services (except advertisements by e-mail and except opposition, on request and without costs, of the person concerned to direct marketing), centralized customer management and control of the regularity of transactions (including the prevention of irregularities).
Any private individual may access and correct the data relating to him or her. He or she may also request that the personal data be erased or that processing of the data be restricted, and the person may also object to the processing of the data. Lastly, he or she has the right to ask for the data to be transferred to a third party.
ING Belgium SA/NV uses automated systems to make decisions about your application. You have the right to request that your case be reviewed by a human, express your point of view, and contest the decision.
For additional information on the processing of your data by ING Belgium SA/NV, on your rights, or about automated decision-making please consult Article 5 (Professional discretion) and Annex 5 (the Personal data protection Statement of ING Belgium) of the General Regulations of ING Belgium SA/NV, available at ING branches and on ING website.
For more information on the processing of your data by ING Lease Belgium or your rights, please consult the Personal data protection Statement of ING Equipment Lease Belgium SA/NV on https://my.inglease.be/csc/#About
For any question, feel free to contact:
Click here and go to your communication settings if you wish to opt out, free of charge, and upon request, of the processing of your details by ING Belgium SA/NV for the purpose of direct marketing and/or the transfer of such details to other companies in the ING group within the European Union (and their representatives in Belgium) with a view to direct marketing promotions
Lease intermediary:
ING Belgium NV/SA – Bank – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789 – www.ing.be – Contact us via
Lessor:
ING Equipment Lease Belgium NV/SA – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0427.980.034 - BIC: BBRUBEBB – IBAN: BE24 3101 6002 5838 or
ING Lease Belgium NV/SA - Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0402.918.402 - BIC: BBRUBEBB – IBAN: BE05 3100 4021 5175
"}}]}}}