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":"No ING app yet? Download now","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 30/09/2026, 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 3,98%, you‘ll pay 58.96 euros per month, totaling 2,122.56 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":"Whether you can apply alone or together depends on your situation:
ING checks that the repayments are in line with your financial capacity. With a joint application, the income of both applicants can be taken into account, which may increase the amount you can borrow and the likelihood of approval.
"},"title":"What are the benefits of applying with a second applicant?"},{"richBody":{"value":"If not already done, each applicant must download the ING Banking app and complete the onboarding individually using their own personal details and identification documents. This allows ING to verify both identities and create an ING profile for each applicant. You do not need to open an ING current account.
Both applicants can complete these steps independently and simultaneously. Once both profiles are ready, either applicant can start the joint loan application in the app.
"},"title":"How do we become ING customers and start a joint application?"},{"richBody":{"value":"The person starting the application provides information about both applicants, including income, monthly expenses and existing financial commitments. Both of you must then review and sign the loan agreement before your application can be completed.
"},"title":"What information and signatures are required?"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"Yes, you can apply online, directly after having set up your profile in the ING Banking App.
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?"},{"richBody":{"value":"The account for repaying the loan must be an account that can be used for making payments. You must be the holder or joint holder of this account.
For smooth processing, your repayments must always be made from the same bank account where you received the loan.
If a repayment is sent from a different account:
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","publishedAt":"2022-05-26T14:22:32Z","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","updatedAt":"2022-05-31T12:16:31Z","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
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"body":"Installment loan","headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/363bd6176f1b24ab/original/bike-loan-1920.jpg","publishedAt":"2022-07-28T11:47:34Z","transformBaseUrl":"https://assets.ing.com/transform/ebfbfc70-2047-4dd7-95b0-b5a751df6382/bike-loan-1920","type":"image","updatedAt":"2022-07-28T11:48:17Z","width":1920},"subtitle":"Get an attractive loan for your bike, e-bike, (e-)step / segway, monowheel, electric scooter or other similar vehicle.","title":"Bike loan"},"cta":{"componentType":"cta","textLink":{"text":"Log in and calculate","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"No ING app yet? Calculate now","url":"/en/individuals/borrowing/bike-loan#make-a-simulation"}},"usps":[{"body":"Even without an ING current account","icon":{"extension":"png","original":"https://assets.ing.com/asset/2b80698d-5fb8-426c-be10-044000efeefe/Avatar_large_filled-rectangle.png","publishedAt":"2026-06-02T12:08:44Z","transformBaseUrl":"https://assets.ing.com/transform/2b80698d-5fb8-426c-be10-044000efeefe/Avatar_large_filled-rectangle","type":"image","updatedAt":"2026-06-02T12:09:10Z","width":1200}},{"body":"As of 3,98% APR*"},{"body":"Borrow as from €1300"}]},"publishDate":"2026-10-09T14:47:28.183+02:00"}}