¹ During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Fri: 6 am – 10.30 pm, Sat: 6 am - 8.30 pm, Sun: 1 pm – 10.30 pm).
"}},{"componentType":"cta","textLink":{"text":"Log in to receive your personal offer","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},{"componentType":"cta","textLink":{"text":"Not a customer yet? Get started","url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}},{"componentType":"sectionTitle","title":"Representative example and illustrative simulation"},{"componentType":"paragraph","richBody":{"value":"Representative example of an ING Bike Loan (instalment loan for private purposes)
Rate valid on 13/05/2026, subject to change with notice prior to conclusion of the agreement.
With an instalment loan for private use of 2,000 euros over 12 months with an annual percentage rate (APR) and a fixed debit interest rate of 3,50%, you‘ll pay 169.79 euros per month, totaling 2,037.48 euros.
"}},{"componentType":"paragraph","richBody":{"value":"
Are you using your bike to get to work? Be sure to ask your employer if you are eligible for bike allowance. Depending on the commute distance and frequency you will have earned back your bike in just a few years.
"},"title":"Commuting to and from work? Consider your bike allowance."},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"Yes, you can apply online directly, provided the loan application is in your name only. Are you married under the community of property regime, or would you like to apply together with your partner? In that case, make your application at an ING branch. ⚠️ Important: online loan applications are only available to Belgian residents.
Prefer not to apply online? You can always visit an ING branch.
"},"title":"Can I apply for a loan without first opening an ING account?"},{"richBody":{"value":"The minimum amount for an ING Bike Loan is 1,300 euros. The maximum amount is variable and depends on the term and your repayment options.
"},"textLinks":[{"text":"Calculate your rate","url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=mobility"}],"title":"How much can I borrow?"},{"richBody":{"value":"Yes, you will need a signed quote and/or invoice of your purchase.
"},"title":"Do I need a proof of purchase?"},{"richBody":{"value":"As soon as we receive and approve the necessary supporting documents, we’ll pay the amount you borrow into your current account.
"},"title":"When will the loan money be in my account?"},{"richBody":{"value":"You’ll start paying it off the month after your receive the money for your loan.
"},"title":"When is my first repayment?"},{"richBody":{"value":"Absolutely! There are many original and durable vehicles that qualify. You can find the different vehicles with their advantages and disadvantages, as well as answers to frequently asked questions on our page on:
"},"textLinks":[{"text":"Discover our page on sustainable mobility","url":"/en/individuals/borrowing/sustainable-mobility"}],"title":"Can I also take out an ING Bike Loan for other sustainable vehicles?"}],"componentType":"accordion"},{"componentType":"paragraph","title":"More details about this loan"},{"accordionList":[{"richBody":{"value":"What is an ING Bike Loan?
The ING Bike Loan is an instalment loan for personal use intended for the purchase of all two-wheeled vehicles with manual or electric drive (or electronic support) such as a city bike, mountain bike, racing bike, cargo bike, folding bike … This installment loan is subject to the law on consumer credit (charges).
Who can get an ING Bike Loan?
To be eligible for an ING Bike Loan, you must be at least 18 years of age.
How much can I borrow?
The minimum amount you can borrow with an ING Bike Loan is 1,300 euros. The maximum amount varies depending on the term and your ability to repay the loan. You can borrow up to 100% of the purchase price.
When do I need to repay the loan?
Your bike 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 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.
"},"textLinks":[{"text":"Consult the consumer credit rates (PDF)","url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf"}],"title":"All info on the ING Bike Loan"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267},"intro":"Consult your lending overview via Home'Bank.","link":{"url":"https://ebanking.ing.be/banking/overview"},"title":"View all your loans in one place?"}],"componentType":"cards"}]},"hasMacro":false,"id":"b73bc7db-55fb-420d-901c-20f2916d1bb2","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Legal information related to advertising on this product
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).
Legal information related to the loan provider
Lender: ING Belgium SA/NV – Bank – Marnixlaan 24, B-1000 Brussels – RPR Brussels – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
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