{"type":"document","data":{"id":"862518de-9b38-4a6a-a071-6609cbba8ce2","localeString":"en-GB","publishDate":"2026-03-04T13:31:19.488+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Are you looking to boost your company's productivity with new vehicles or an upgraded fleet? An ING Vehicle Investment Credit is a medium-to-long-term financing solution designed to help your business buy new or second-hand commercial vehicles."},"mainHeaderZone":{"componentType":"productHeader","usps":[{"body":"Flexible term of 2 to 15 years","icon":{"transformBaseUrl":"https://assets.ing.com/transform/e9370f9e-1196-4080-92f1-554698d7891f/Clock_outline_orange_RGB-2","type":"image","width":267,"original":"https://assets.ing.com/m/55771fc35a2f80c3/original/Clock_outline_orange_RGB-2.png","extension":"png"}},{"body":"Multiple options for drawing and repaying funds","icon":{"transformBaseUrl":"https://assets.ing.com/transform/e5f9acd9-6b76-4ee4-8362-8686f8c313e2/Checklist_orange","type":"image","width":267,"original":"https://assets.ing.com/m/4cc6a8ab1c1008b9/original/Checklist_orange.png","extension":"png"}},{"body":"Transparency through regular interest-rate reviews","icon":{"transformBaseUrl":"https://assets.ing.com/transform/bd95a9f4-9c57-4ed6-955b-77ec54e4fcdd/eye-icon","type":"image","width":898,"original":"https://assets.ing.com/m/f1038994b728fb9/original/eye-icon.png","extension":"png"}}],"cta":{"componentType":"cta","textLink":{"url":"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1","text":"Apply here"}},"coreHeader":{"body":"Are you looking to boost your company's productivity with new vehicles or an upgraded fleet? An ING Vehicle Investment Credit is a medium-to-long-term financing solution designed to help your business buy new or second-hand commercial vehicles. You can also take advantage of tailored repayment terms and a variety of interest-rate formulas.\r\n\r\nImportant Note: This is a long-term financing solution for amounts of 250,000 euros or more.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/9b387a1c-3f5d-46ab-a2ec-bb2553056863/business-woman-in-red-suit-in-car","type":"image","width":960,"original":"https://assets.ing.com/m/29e3a6fecfc28509/original/business-woman-in-red-suit-in-car.jpg","extension":"jpg"},"title":"ING Vehicle Investment Credit","subtitle":"Finance your company fleet efficiently and flexibly","promoStickerLayout":"None"},"backLink":{"textLink":{"url":"/en/business/financing","text":"Financing"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Why choose an ING Vehicle Investment Credit?"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/dc1e5416-25b4-480d-9256-e8cac0dc36aa/prod-ext-cash-reserve","type":"image","width":150,"original":"https://assets.ing.com/m/50124523e0f94aa0/original/prod-ext-cash-reserve.png","extension":"png"},"highlighted":false,"items":[{"body":"Finance the purchase of new or replacement vehicles with a financing plan tailored to your operational needs.","title":"Adapted to your transportation needs"},{"body":"Take advantage of repayment periods ranging from 24 months to 15 years with fixed or flexible rates.","title":"Long-term financing option"},{"body":"Repayment starts from either the first or last withdrawal, according to your selected plan.","title":"Optimised cash-flow planning"}]},{"componentType":"paragraph","richBody":{"value":"<p><strong>Important remark:</strong> This is a long-term financing solution for amounts of 250,000 euros or more.</p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"What is the ING vehicle investment credit?","richBody":{"value":"<p>A vehicle investment credit is a tailored, medium-to-long-term financing solution for acquiring commercial vehicles. Whether you’re looking to finance company cars, second-hand commercial vehicles or an entire enterprise rental fleet, this credit supports your business growth with predictable payments and a flexible interest-rate plan.</p><ul><li>The minimum loan amount is 250,000 euros.</li><li>ING deposits the funds into your business account or pays your supplier directly.</li><li>You can choose to receive the amount in full or in instalments aligned with your vehicle investment timeline (up to 9 months).</li></ul>"}},{"title":"What vehicle financing plans are available?","richBody":{"value":"<p>Choose the right formula for your needs and repayment preferences:</p><table><tbody><tr><td><strong>Investment credit with a short-term interest rate</strong></td><td>Repayment starts from the first withdrawal.</td><td>Repayment starts from the last withdrawal.</td></tr><tr><td><strong>Investment credit with a long-term interest rate</strong></td><td>A fixed interest rate is determined when the credit facility is approved.</td><td>A fixed interest rate is determined when the credit facility is fully drawn.</td></tr></tbody></table>"}},{"title":"What amount can I borrow and what are the repayment terms?","richBody":{"value":"<p>The minimum loan amount is 250,000 euros. Repayment involves both principal and interest. Depending on your plan, payments start after the first or last withdrawal. There are also several repayment options available.</p>"}},{"title":"What is the term for an ING Vehicle Investment Credit?","richBody":{"value":"<p>Loan terms range from a minimum of 24 months to a maximum of 15 years. For public or non-profit institutions, longer durations may apply depending on the nature of the investment.</p>"}},{"title":"What are the fees?","richBody":{"value":"<p>You will pay:</p><ul><li>a one-off upfront fee calculated on the credit granted, and</li><li>a quarterly arrangement fee.</li></ul>"}},{"title":"How can I apply for an ING Vehicle Investment Credit?","richBody":{"value":"<p><a href=\"https://www.ing.be/en/business/financing/intake-form-business-credit-center?flow-step=interested-in-a-professional-loan-1\">Apply via ING&apos; Business Credit Center form</a></p><p><a href=\"https://assets.ing.com/m/abec94284830d4eb/ING_IKR_EN.pdf\"><span><span><span><span><span><span><span><span><span><span>Read the product fact sheet (PDF).</span></span></span></span></span></span></span></span></span></span></a></p>"}},{"title":"What is the legal information?","richBody":{"value":"<p>Loan offers are reserved for private individuals over 18 years of age and for legal entities, and are for professional purposes. Offers are on condition of prior acceptance of your application by ING Belgium and by mutual agreement. The general terms and conditions of ING loans are available at all ING branches and on www.ing.be. </p><p>ING Belgium SA/nv – Bank/Lender – Registered Office: Avenue Marnix/Marnixlaan 24, B-1000 Brussels.</p>"}}]},{"componentType":"sectionTitle","title":"Also interesting!"},{"componentType":"cards","cards":[{"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"}}]}]}}}