Representative example of an ING Bike Loan (instalment loan for private purposes)
Rate valid on 13/05/2026, 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 3,50%, you‘ll pay 169.79 euros per month, totaling 2,037.48 euros.
"}},{"componentType":"sectionTitle","title":"Good to know"},{"cards":[{"body":"New or second hand? Petrol, diesel or electric? We give you some useful tips to consider.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2025-07-02","image":{"extension":"jpg","original":"https://assets.ing.com/m/bf3aa28fcc1f00/original/first-car-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/958b0864-458c-4af1-848a-4b2e46170541/first-car-1920","type":"image","width":1920},"link":{"url":"/en/individuals/my-life/mobility/buying-first-car"},"title":"Check-list for buying a car"},{"body":"There are several types of bicycles with electric assistance. But what´s the best choice for you?","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2024-04-18","image":{"extension":"jpg","original":"https://assets.ing.com/m/69883b0c738c64fb/original/ebike-types-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/e4a2b1a9-1b1e-45de-9709-e482ea897f70/ebike-types-1920","type":"image","width":1920},"link":{"url":"/en/individuals/my-life/mobility/ebike-types"},"title":"Which e-bike suits you?"},{"body":"Saving money","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2021-09-01","image":{"extension":"jpg","original":"https://assets.ing.com/m/5b6f5c44021b8631/original/green-cars-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/6b15d23a-5ee5-4a78-ac30-cb2c995b3208/green-cars-1920","type":"image","width":1920},"link":{"url":"/en/individuals/my-life/mobility/switch-electric-car"},"title":"Energy-efficient driving"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"
To be eligible for a vehicle loan, you must be a natural person of at least 18 years old and the vehicle for which you are borrowing must be for personal use.
Need a vehicle for your business? Check out our business financing options.
"},"title":"Who can request a vehicle loan?"},{"richBody":{"value":"This is certainly possible. In our simulator you can indicate that you want to borrow for a used vehicle. The price of your loan is then calculated based on your entered data.
"},"title":"Can I also borrow for a used car?"},{"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 on my account?"}],"componentType":"accordion"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/ee12e8287ad63ac/original/womanembracecar.svg","transformBaseUrl":"https://assets.ing.com/transform/b3fb9b30-c1d1-4f81-854c-f4dcf4a47451/womanembracecar","type":"image","width":1500},"intro":"For new or second hand cars, with a fixed monthly repayment","link":{"url":"/en/individuals/borrowing/car-loan"},"title":"Car loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/137cc5ba0108e8d2/original/Business-van-solar-rooftop-charging-station-scene.svg","transformBaseUrl":"https://assets.ing.com/transform/7aa595c0-b3a0-4c1f-b053-08822942dd98/Business-van-solar-rooftop-charging-station-scene","type":"image","width":1200},"intro":"Add even a charging pole to your loan","link":{"url":"/en/individuals/borrowing/electric-vehicle-loan"},"title":"Electric car loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/24af2030f75828a8/original/car-side-view-1-spot.svg","transformBaseUrl":"https://assets.ing.com/transform/8899879b-c162-49c7-b389-195b0fbc8d94/car-side-view-1-spot","type":"image","width":160},"intro":"Get behind the wheel of a used car with a loan that fits your budget","link":{"url":"/en/individuals/borrowing/second-hand-car-loan"},"title":"Second hand car loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/65209a90d4b3e47e/original/motorbike.svg","transformBaseUrl":"https://assets.ing.com/transform/78e56751-9841-48ca-8039-9f1455bd5a4e/motorbike","type":"image","width":0},"intro":"For your new or second hand motorbike","link":{"url":"/en/individuals/borrowing/motorbike-loan"},"title":"Motorbike loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/7c05704b2b078e65/original/bike.svg","transformBaseUrl":"https://assets.ing.com/transform/ca91a8b9-0696-4b0c-95f5-21fd73755bc3/bike","type":"image","width":160},"intro":"Explore new horizons with your traditional or electric bike","link":{"url":"/en/individuals/borrowing/bike-loan"},"title":"Bike loan"}],"componentType":"cards"}]},"hasMacro":false,"id":"9208a784-e538-4d8a-b8b1-a1e1e2df51d8","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Installment loan (car, motorbike, bike, sustainable mobility) for personal use, subject to the law on consumer credit (charges).
Advertising reserved for natural persons aged 18+ and subject to prior acceptance of your loan application by ING Belgium and to mutual agreement. It does not constitute an offer of credit. The general terms and conditions and lending rates are available at all ING branches and on ing.be under charges and regulations.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in branch or via the Customer Loans Online service at ing.be, in the ING Banking app or in Home’Bank are not binding for ING Belgium or you until you’ve signed the credit agreement at your ING branch or, in the case of an online application, as long as you have not returned the signed credit agreement (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
Your interest rate depends on your customer profile, the amount borrowed and the term of your loan. The annual percentage rate (APR) is the total price of your loan on an annual basis. This means that interest and any loan charges are taken into account.
Read more about the consumer credit tariffs (pdf).
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP 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":"categoryHeader","coreHeader":{"title":"Borrow for your vehicle"},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"}},"publishDate":"2026-01-28T23:59:00.169+01:00"}}