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"}},{"componentType":"sectionTitle","title":"Everything on the ING Car Loan"},{"componentType":"paragraph","richBody":{"value":"Pay a fixed rate every month for the duration of your loan.
A long delivery times? No worries: you start paying when your car is delivered (up to 12 months)
Customer score us 4,6/5: our fully end-to-end online process is rated 4.6/5 by customers who have taken out a consumer loan. Score measured on 17/06/2024, based on 676 reviews¹
A car loan at 0% interest from your car dealer may seem attractive, but it often has hidden costs that the garage owner offsets in other ways. You may get less discount on the purchase price, a lower takeover price for your old car, or higher monthly repayments due to a shorter term.
A car loan from a bank can offer you more benefits and flexibility than financing from a car dealer.
A concrete example of a loan via a car dealer versus via the bank can be found here
"},"alignedImage":{"position":"right","transformBaseUrl":"https://assets.ing.com/transform/3a85b14b-6171-4337-809a-d2012204cfc6/manhappythumboknopadding","original":"https://assets.ing.com/m/35429e6c1e81527d/original/manhappythumboknopadding.svg","extension":"svg"}},{"componentType":"sectionTitle","title":"Apply for your car loan"},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Request your offer","body":"Confirm your personal data, income, expenses and the amount you want to borrow."},{"title":"Receive your offer","body":"Check online to see if your loan has been approved⁴ and receive a tailor-made offer valid for 20 days."},{"title":"Sign your offer and receive your money","body":"You sign your offer online and receive the money on your account after 2 days⁴ on average (prior to this, supporting documents may still be requested)."}]}},{"componentType":"paragraph","richBody":{"value":"⁴ 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":{"url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=mobility","text":"Make a simulation"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"What is a car loan?","richBody":{"value":"The ING Car Loan is an instalment loan for personal use intended for the purchase of a new or second-hand vehicle, regardless of whether it’s a car, motorbike or motorhome. This car loan is subject to the regulation on consumer credits.
"}},{"title":"What is the interest rate on a car loan?","richBody":{"value":"Your interest rate depends on your customer profile, the age of your car, 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.
Consult the consumer credit rates (PDF)
"}},{"title":"What is the difference with buying a car on instalment at a car dealer?","richBody":{"value":"Most car dealers offer so-called 0% loans. These are not always as interesting as they seem. For example, you have to pay a large amount in advance to be able to enjoy this or you will receive less discount on the car itself. More information and
"},"textLinks":[{"url":"/en/individuals/my-life/mobility/car-loan-0-percent","text":"A concrete example of a loan via a car dealer versus via the bank can be found here"}]},{"title":"How does the process for a car loan work?","richBody":{"value":"Discover more about the process of applying for a car loan. From the online request to the disbursement of the funds, find out more here.
The online process of applying for a Car Loan
"}}]},{"componentType":"sectionTitle","title":"Representative examples"},{"componentType":"paragraph","richBody":{"value":"1) For a new car loan (excluding low-emission models).
With an instalment loan for private use of 17,500 euros over 60 months with an annual percentage rate and a fixed debit interest rate of 3.95%, you ‘ll pay 321.34 euros per month, totaling 19.280,40 euros.
Interest rate valid on 16/03/2026 subject to change upon notice before conclusion of the contract.
2) For a second-hand car loan more than 3 years old.
With an instalment loan for private use of 10,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 5.05%, you‘ll pay 230.00 euros per month, totaling 11.040,00 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
3) For a new electric car loan.
With an instalment loan for private use of 12,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 3,75%, you‘ll pay 269.27 euros per month, totaling 12.924,96 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
"}},{"componentType":"cta","textLink":{"url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true","text":"Log in to receive your personal offer"}},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"View all your loans in one place?","intro":"Consult your lending overview via Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Car Insurance","intro":"Insurer : NN Non-life","image":{"transformBaseUrl":"https://assets.ing.com/transform/50672da5-7e85-4636-85e5-137f3a6bc522/Family-takes-group-selfie-in-car-during-road-trip","type":"image","width":4500,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5ecc05f4d8ea2753/original/Family-takes-group-selfie-in-car-during-road-trip.jpg","extension":"jpg"},"link":{"url":"/en/individuals/insurance/insure-my-car/car-insurance"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Electric car loan","intro":"Installment loan to help finance your electric car.","image":{"transformBaseUrl":"https://assets.ing.com/transform/d19df259-7968-43ee-a660-e84f5150c526/Small-black-electric-car-charged-on-the-street","type":"image","width":4842,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/5383f9e13606c0dd/original/Small-black-electric-car-charged-on-the-street.JPG","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/electric-vehicle-loan"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"The guide to consumer credit in Belgium","body":"Check out all the options available and find out how this type of loan works.","image":{"transformBaseUrl":"https://assets.ing.com/transform/77b4147e-448e-4b1b-a3ef-cebf69ceb71f/Close-up-of-woman-reading-book-in-bed-with-cat","type":"image","width":4500,"original":"https://assets.ing.com/m/6bc5ba5e0604c0a1/original/Close-up-of-woman-reading-book-in-bed-with-cat.jpg","extension":"jpg"},"date":"2024-01-26","link":{"url":"/en/individuals/borrowing/consumer-loan-guide"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"
Legal information related to customer satisfaction surveys
Based on customer satisfaction surveys that were sent by email to ING clients who have taken out a consumer loan. To respond to the survey, clients are required to authenticate themself through Home'Bank or the ING Banking App.
Legal information related to advertising on this instalment loan
This message concerns an ING car loan (instalment loan) for private purposes and is 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).
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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