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
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":{"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":"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 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 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)
"},"title":"What is the interest rate on a second hand car loan?"},{"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:
Representative examples of an ING car loan (personal installment loan)
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 4,79%, you‘ll pay 228.88 euros per month, totaling 10.986,24 euros.
Interest rate valid on 29-06-2026 subject to change upon notice before conclusion of the contract.
* Your interest rate depends on your customer profile, the amount borrowed, and the term of the loan. 26% 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%.
"}},{"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":"9229a259-f6bd-4f3e-9b5d-86b43d7996c7","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%
"}}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/506473d24be548bd/original/Carfair26-banner-2.jpg","transformBaseUrl":"https://assets.ing.com/transform/e475bd46-f81e-41fa-a54b-8700f88e78ab/Carfair26-banner-2","type":"image","width":1200},"subtitle":"Smart financing for smart choices. Get behind the wheel of a used car with a loan that fits your budget.","title":"Second hand car 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/second-hand-car-loan?choice=newcustomer&purpose=mobility#make-a-simulation-and-get-your-personal-price"}},"usps":[{"body":"Even without an ING current account","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Rates as of 4.79% APR*","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}},{"body":"Start paying on delivery of your car (up to 12 months postponement)","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","width":32}}]},"publishDate":"2026-08-24T15:26:17.926+02:00"}}