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":"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.
⚠️ 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 4,84%, you‘ll pay 229.09 euros per month, totaling 10.996,32 euros.
Interest rate valid on 15-09-2026 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","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":"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","publishedAt":"2025-12-18T10:11:12Z","transformBaseUrl":"https://assets.ing.com/transform/e475bd46-f81e-41fa-a54b-8700f88e78ab/Carfair26-banner-2","type":"image","updatedAt":"2025-12-18T10:11:31Z","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"}},"taxonomies":[{"taxonomyKeys":["header_x003a_default"],"taxonomyType":"personalizationTaxonomy"}],"usps":[{"body":"Even without an ING current account","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","width":32}},{"body":"Rates as of 4.99% APR*","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","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","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","width":32}}]},"publishDate":"2026-10-09T14:39:42.537+02:00"}}