Works with both certified dealers and private sellers.
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
Attention borrowing money also cost money!
"},"video":{"type":"video","originalUrl":"https://assets.ing.com/m/246ae6a1e7f94dbe/original/Evidencing-video-SHC-loan_EN.mp4","videoPreviewURLs":["https://assets.ing.com/asset/95d113ba-04e0-4e04-9ac4-97faf779ee44/480p/Evidencing-video-SHC-loan_EN.mp4","https://assets.ing.com/asset/95d113ba-04e0-4e04-9ac4-97faf779ee44/1080p/Evidencing-video-SHC-loan_EN.mp4","https://assets.ing.com/asset/95d113ba-04e0-4e04-9ac4-97faf779ee44/720p/Evidencing-video-SHC-loan_EN.mp4","https://assets.ing.com/asset/95d113ba-04e0-4e04-9ac4-97faf779ee44/mp4/Evidencing-video-SHC-loan_EN.mp4"],"thumbnails":{"mini":"https://assets.ing.com/m/246ae6a1e7f94dbe/mini-Evidencing-video-SHC-loan_EN.jpg","webimage":"https://assets.ing.com/m/246ae6a1e7f94dbe/webimage-Evidencing-video-SHC-loan_EN.jpg","thul":"https://assets.ing.com/m/246ae6a1e7f94dbe/thul-Evidencing-video-SHC-loan_EN.jpg"},"extension":["mp4"]}},{"componentType":"sectionTitle","title":"Apply for your second hand 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 second hand car loan?","richBody":{"value":"The ING Second hand Car Loan is an instalment loan for personal use intended for the purchase of a 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 second hand 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)
"}}]},{"componentType":"sectionTitle","title":"Representative examples"},{"componentType":"paragraph","richBody":{"value":"Representative examples of an ING car loan (personal installment loan)
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":"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"}}]},{"componentType":"accordion"}]},"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":"
1. This advertising message, which concerns a car loan (second-hand car loan, low emission car loan or new car loan) for private purposes subject to consumer credit legislation, does not constitute a credit offer.
The minimum duration is 6 months. The maximum duration depends on the amount borrowed and your repayment capacity. Offer exclusively intended for adult individuals and subject to acceptance of your file by ING Belgium and by mutual agreement. The general conditions and rates of the credit are available in all ING branches and on www.ing.be (“Charges and regulations” section).
The credit application for a car (second-hand car loan, low emission car loan & new car loan) must be submitted digitally via the ING banking App or Home’Bank or in an ING branch, subject to acceptance of your file by ING Belgium, within campaign period.
* Your interest rate depends on your customer profile, the amount borrowed, and the term of the loan. 50% of customers receive an interest rate equal or below the one shown in this advertising. You will receive a customized proposal during your application, which is based on a set of factors including, but not limited to your risk profile and other preliminary checks. The legal maximum interest rate is set at 12%
"}}]}}}