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2.5 VVT-i Hybrid Excel 5dr CVT [JBL-PVM] 2WD £269.88 +VAT
Images are for illustration purposes only. Specification may vary.
Limited Synergy Special Offer
Free Mainland Delivery!
7507 independent 5 star Feefo Reviews
Choose your Contract Terms
i
Business Lease Price
47 Monthly Payments
£269.88 +VAT
Initial Rental
£2,428.92 +VAT
Vehicle Sourcing Charge
i
£165 +VAT
Vehicle specification and information is provided by a third party and is for information only. Manufacturers reserve the right to change specification & equipment without notice. Zero cost options may be conditional on the purchase of a pack or other chargeable option. All specifically required features and specification should be verified prior order.
7" colour TFT display
7" TFT multi information display
Adaptive cruise control with lane trace assist
Adjustable speed limiter
Analog tachometer
Apple car play and Android auto
Blind spot monitoring with rear cross traffic alert
Bluetooth system
Cyclist Detection
Drive mode selector
eCall emergency call system
ECO-driving indicator
Electric power steering
EV audible alert
Front parking sensors
Full range adaptive cruise control
Hybrid system indicator
Lane departure warning system
Lane trace assist
Lights on warning
Low screen washer fluid warning
Memory on adjustable speed limiter
Multimedia switches on steering wheel
My T Connected services
Night Time Pedestrian Detection
Panoramic view monitor
Pedestrial detection
Power boot opening and closing
Push button start
Rear parking camera
Rear parking sensors
Remote boot door release in cabin
Remote boot door release in key
Road sign assist - RSA
Tachometer
Touch 2 Go navigation system
Touch 2 Go navigation system including 3D maps and voice control
Traffic sign recognition
Trip computer
Voice control system
8" Multimedia display touch screen
800 Watt amplifier
Auxiliary socket for external MP3 player
DAB audio
JBL premium sound system with 9 speakers
Steering wheel mounted audio controls
Toyota touch media system
USB connection
Adaptive automatic high beam
Auto dimming interior mirror
Auto high beam
Automatic headlamp levelling
Automatic headlights
Automatic wipers
Automatically retractable door mirrors
Black roof rails
Body colour door handles
Body colour door mirrors
Body colour rear spoiler
Body colour roof
Body coloured bumpers
Body coloured Shark-fin antenna
Door mirror puddle lights
Dual exhaust pipes
Electric adjustable door mirrors
Electrochromatic rear view mirror
Emergency brake-light signal (EBS)
Follow me home headlights
Front fog lights
Front wiper de-icer
Headlight cleaners
Heated door mirrors
LED daytime running lights
LED High mounted stop lamp
LED rear combination lights
LED rear lights
Meshed upper front grille
Power front windows
Power rear windows
Privacy glass
Projector LED headlights
Rear screen wiper - intermittent
Rear windscreen defogger
Silver front under-run
Silver rear under-run
Trailer Sway Control
Turning signal integrated indicators in door mirrors
Windscreen wiper de-icer
3 rear headrests
60/40 split fold rear seat back
Boot light
Clean air filter
Driver and front passenger personal light
Driver and front passenger Whiplash Injury Lessening seats
Driver and passenger sunvisors with illuminated vanity mirrors
Driver seat memory function
Dual sided deck board in boot
Dual zone automatic air conditioning
Floor mats
Folding rear centre armrest
Front and rear bottle holders
Front centre armrest
Front footwell lights
Front headrests
Front seatback pockets
Front/rear roof mounted assist grips
Grey roof lining
Heated driver and front passenger seats
Heated steering wheel
Illuminated entry system
Isofix child seat preparation
Leather gear shift with chrome surround
Leather upholstery
Light blue ambient lighting on front cupholders and open tray
Manual telescopic and tilt 3-spoke leather steering wheel with Chrome insert
Manually reclining and sliding front passenger seat
Pollen filter
Power height-adjustable sliding reclining and lumbar support for driver seat
Rear coat hooks
Rear door armrests
Rear passenger air vents
Rear view display in display audio screen with dynamic guide lines
Reclining rear seats
Satin chrome interior door handles
Sunglasses holder
Telephone and voice recognition switches on steering wheel
Parking pack - Rav4
3x3 point rear seatbelts
ABS/EBD
Acoustic vehicle alerting system
Adjustable front driver and passenger seat belt extender
Brake assist function
Brake hold function
Child proof door locks
Collision mitigation braking system
Driver/Front Passenger airbags
Driver/front passenger side airbags
Drivers knee airbag
Electronic parking brake
Electronic Stability Programme (ESP)
Emergency brake light system (EBS)
Front and rear curtain airbags
Front and rear seatbelt reminder
Front passenger airbag detector
Hill start assist
Passenger airbag cut-off device
Pedestrian detection
Pre collision system
Seatbelt pretensioners with load limiters
Toyota safety sense
Traction control
Tyre pressure warning
Alarm/immobiliser
Glass-breaking alarm sensors
Immobiliser
Intrusion alarm
Key in reminder
Motion sensor alarm
Remote central locking
Smart entry + Smart start
Speed sensitive auto door locking
Tilt detection sensors
Vehicle Stability Control (VSC)
Piano black centre console with silver insert
Soft-touch black lower dashboard
Soft-touch black upper dashboard with silver insert
19" 5 spoke silver alloy wheels
Full size spare wheel
Your chosen options have increased the P11D Value above £40,000, as per government guidelines we have added additional Road Tax to your monthly rentals. Please contact us if you require any further information.
Description
List Price
Monthly
Description
List Price
Monthly
Description
Value
EC Combined (mpg)
51.1
EC Directive 1999/100/EC Applies
No
EC Extra Urban (mpg)
50.1
EC Urban (mpg)
50.1
WLTP - FC (l/100km) - Comb
5.5
WLTP - FC (l/100km) - Comb - Max
5.7
WLTP - FC (l/100km) - Comb - Min
5.5
WLTP - FC (l/100km) - Extra High
6.8
WLTP - FC (l/100km) - Extra High - Max
6.9
WLTP - FC (l/100km) - Extra High - Min
6.5
WLTP - FC (l/100km) - High
5.1
WLTP - FC (l/100km) - High - Max
5.2
WLTP - FC (l/100km) - High - Min
4.9
WLTP - FC (l/100km) - Low
5.5
WLTP - FC (l/100km) - Low - Max
5.6
WLTP - FC (l/100km) - Low - Min
5.2
WLTP - FC (l/100km) - Medium
5.2
WLTP - FC (l/100km) - Medium - Max
5.3
WLTP - FC (l/100km) - Medium - Min
4.9
WLTP - MPG - Comb
51.3
WLTP - MPG - Comb - Max
49.6
WLTP - MPG - Comb - Min
51.3
WLTP - MPG - Extra High
41.5
WLTP - MPG - Extra High - Max
40.7
WLTP - MPG - Extra High - Min
43.3
WLTP - MPG - High
55.4
WLTP - MPG - High - Max
54.4
WLTP - MPG - High - Min
58
WLTP - MPG - Low
51.4
WLTP - MPG - Low - Max
50.4
WLTP - MPG - Low - Min
54.6
WLTP - MPG - Medium
54.3
WLTP - MPG - Medium - Max
52.9
WLTP - MPG - Medium - Min
57.3
Description
Value
CO
0.175
CO2 (g/km)
105
HC
0.017
Noise Level dB(A)
69
NOx
0.002
Standard Euro Emissions
EURO 6
WLTP - CO2 (g/km) - Comb
131
WLTP - CO2 (g/km) - Comb - Max
133
WLTP - CO2 (g/km) - Comb - Min
131
WLTP - CO2 (g/km) - Extra High
154
WLTP - CO2 (g/km) - Extra High - Max
157
WLTP - CO2 (g/km) - Extra High - Min
154
WLTP - CO2 (g/km) - High
116
WLTP - CO2 (g/km) - High - Max
117
WLTP - CO2 (g/km) - High - Min
116
WLTP - CO2 (g/km) - Low
125
WLTP - CO2 (g/km) - Low - Max
127
WLTP - CO2 (g/km) - Low - Min
125
WLTP - CO2 (g/km) - Medium
119
WLTP - CO2 (g/km) - Medium - Max
121
WLTP - CO2 (g/km) - Medium - Min
119
Description
Value
Camshaft
DOHC
Catalytic Convertor
Yes
CC
2487
Compression Ratio
14.0:1
Cylinder Layout
IN-LINE
Cylinders
4
Cylinders - Bore (mm)
87.5
Cylinders - Stroke (mm)
103.5
Engine Code
A25A-FXS
Engine Layout
FRONT TRANSVERSE
Fuel Delivery
MULTI POINT FUEL INJECTION
Gears
1 SPEED
Number of Valves
16
Transmission
AUTO
Description
Value
Alternative Fuel Qualifying
Yes
Badge Engine CC
2.5
Badge Power
218
Coin Description
VVT-i Hybrid 2WD
Coin Series
Excel [JBL + PVM]
Did at least one aspect of this vehicle's safety give cause for concern?
No
Generation Mark
4
Insurance Group 1 - 50 Effective January 07
26E
Manufacturers Corrosion Perforation Guarantee - Years
12
Manufacturers Paintwork Guarantee - Years
3
NCAP Adult Occupant Protection %
93
NCAP Child Occupant Protection %
87
NCAP Overall Rating - Effective February 09
5
NCAP Pedestrian Protection %
85
NCAP Safety Assist %
77
Special Edition
No
Special Order
No
Standard manufacturers warranty - Mileage
100000
Standard manufacturers warranty - Years
5
Vehicle Homologation Class
M1
Description
Value
0 to 62 mph (secs)
8.4
Engine Power - BHP
218
Engine Power - KW
160
Engine Power - RPM
5700
Engine Torque - LBS.FT
163
Engine Torque - MKG
22.5
Engine Torque - NM
221
Engine Torque - RPM
3600
Top Speed
111
Description
Value
Emissions Test Cycle
WLTP
RDE Certification Level
RDE 2
Description
Value
Alloys?
Yes
Space Saver?
No
Tyre Size Front
225/55 R19
Tyre Size Rear
225/55 R19
Tyre Size Spare
TYRE REPAIR KIT
Wheel Style
5-SPOKE
Wheel Type
19" ALLOY
Description
Value
Height
1685
Length
4600
Wheelbase
2690
Width
1855
Description
Value
Fuel Tank Capacity (Litres)
55
Gross Vehicle Weight
2155
Luggage Capacity (Seats Up)
580
Max. Loading Weight
565
Max. Roof Load
70
Max. Towing Weight - Braked
800
Max. Towing Weight - Unbraked
750
Minimum Kerbweight
1590
No. of Seats
5
Turning Circle - Kerb to Kerb
11
Fuel Type: Petrol Hybrid
CO2 Emissions: 105 (g/km)
P11D Value: £35,900.00
| Year: 2019-20 | |
| Benefit in Kind Tax %: | 25% |
| Taxable Benefit: | £8,975.00 |
| Annual 20% | £1,795.00 |
| Monthly 20% | £149.58 |
| Annual 40% | £3,590.00 |
| Monthly 40% | £299.17 |
| Annual 45% | £4,038.75 |
| Monthly 45% | £336.56 |
| Year: 2020-21 | |
New table to follow - based on Zero Emission Electric Range. Enquire for more details. | |
Please note: Vehicle tax information is a guide only and is subject to change.
2.5 VVT-i Hybrid Excel 5dr CVT [JBL-PVM] 2WD
£269.88 +VAT
Limited Synergy Special Offer
Choose your Contract Terms
Business Lease Price
47 Monthly Payments
£269.88
+VAT
Initial Rental
£2,428.92 +VAT
Vehicle Sourcing Charge
i
The Vehicle Sourcing Charge is Synergy’s fee for sourcing and ordering the vehicle, organising the finance, and arranging delivery.
£165 +VAT
Price not available online
Please Contact Us to discuss your requirements.
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ABOUT THIS VEHICLE
Add to Comparison Tool
Vehicle specification and information is provided by a third party and is for information only. Manufacturers reserve the right to change specification & equipment without notice. Zero cost options may be conditional on the purchase of a pack or other chargeable option. All specifically required features and specification should be verified prior order.
Standard
7" colour TFT display
7" TFT multi information display
Adaptive cruise control with lane trace assist
Adjustable speed limiter
Analog tachometer
Apple car play and Android auto
Blind spot monitoring with rear cross traffic alert
Bluetooth system
Cyclist Detection
Drive mode selector
eCall emergency call system
ECO-driving indicator
Electric power steering
EV audible alert
Front parking sensors
Full range adaptive cruise control
Hybrid system indicator
Lane departure warning system
Lane trace assist
Lights on warning
Low screen washer fluid warning
Memory on adjustable speed limiter
Multimedia switches on steering wheel
My T Connected services
Night Time Pedestrian Detection
Panoramic view monitor
Pedestrial detection
Power boot opening and closing
Push button start
Rear parking camera
Rear parking sensors
Remote boot door release in cabin
Remote boot door release in key
Road sign assist - RSA
Tachometer
Touch 2 Go navigation system
Touch 2 Go navigation system including 3D maps and voice control
Traffic sign recognition
Trip computer
Voice control system
8" Multimedia display touch screen
800 Watt amplifier
Auxiliary socket for external MP3 player
DAB audio
JBL premium sound system with 9 speakers
Steering wheel mounted audio controls
Toyota touch media system
USB connection
Adaptive automatic high beam
Auto dimming interior mirror
Auto high beam
Automatic headlamp levelling
Automatic headlights
Automatic wipers
Automatically retractable door mirrors
Black roof rails
Body colour door handles
Body colour door mirrors
Body colour rear spoiler
Body colour roof
Body coloured bumpers
Body coloured Shark-fin antenna
Door mirror puddle lights
Dual exhaust pipes
Electric adjustable door mirrors
Electrochromatic rear view mirror
Emergency brake-light signal (EBS)
Follow me home headlights
Front fog lights
Front wiper de-icer
Headlight cleaners
Heated door mirrors
LED daytime running lights
LED High mounted stop lamp
LED rear combination lights
LED rear lights
Meshed upper front grille
Power front windows
Power rear windows
Privacy glass
Projector LED headlights
Rear screen wiper - intermittent
Rear windscreen defogger
Silver front under-run
Silver rear under-run
Trailer Sway Control
Turning signal integrated indicators in door mirrors
Windscreen wiper de-icer
3 rear headrests
60/40 split fold rear seat back
Boot light
Clean air filter
Driver and front passenger personal light
Driver and front passenger Whiplash Injury Lessening seats
Driver and passenger sunvisors with illuminated vanity mirrors
Driver seat memory function
Dual sided deck board in boot
Dual zone automatic air conditioning
Floor mats
Folding rear centre armrest
Front and rear bottle holders
Front centre armrest
Front footwell lights
Front headrests
Front seatback pockets
Front/rear roof mounted assist grips
Grey roof lining
Heated driver and front passenger seats
Heated steering wheel
Illuminated entry system
Isofix child seat preparation
Leather gear shift with chrome surround
Leather upholstery
Light blue ambient lighting on front cupholders and open tray
Manual telescopic and tilt 3-spoke leather steering wheel with Chrome insert
Manually reclining and sliding front passenger seat
Pollen filter
Power height-adjustable sliding reclining and lumbar support for driver seat
Rear coat hooks
Rear door armrests
Rear passenger air vents
Rear view display in display audio screen with dynamic guide lines
Reclining rear seats
Satin chrome interior door handles
Sunglasses holder
Telephone and voice recognition switches on steering wheel
Parking pack - Rav4
3x3 point rear seatbelts
ABS/EBD
Acoustic vehicle alerting system
Adjustable front driver and passenger seat belt extender
Brake assist function
Brake hold function
Child proof door locks
Collision mitigation braking system
Driver/Front Passenger airbags
Driver/front passenger side airbags
Drivers knee airbag
Electronic parking brake
Electronic Stability Programme (ESP)
Emergency brake light system (EBS)
Front and rear curtain airbags
Front and rear seatbelt reminder
Front passenger airbag detector
Hill start assist
Passenger airbag cut-off device
Pedestrian detection
Pre collision system
Seatbelt pretensioners with load limiters
Toyota safety sense
Traction control
Tyre pressure warning
Alarm/immobiliser
Glass-breaking alarm sensors
Immobiliser
Intrusion alarm
Key in reminder
Motion sensor alarm
Remote central locking
Smart entry + Smart start
Speed sensitive auto door locking
Tilt detection sensors
Vehicle Stability Control (VSC)
Piano black centre console with silver insert
Soft-touch black lower dashboard
Soft-touch black upper dashboard with silver insert
19" 5 spoke silver alloy wheels
Full size spare wheel
Options
Your chosen options have increased the P11D Value above £40,000, as per government guidelines we have added additional Road Tax to your monthly rentals. Please contact us if you require any further information.
Description
List Price
Monthly
Description
List Price
Monthly
Technical Info
Description
Value
EC Combined (mpg)
51.1
EC Directive 1999/100/EC Applies
No
EC Extra Urban (mpg)
50.1
EC Urban (mpg)
50.1
WLTP - FC (l/100km) - Comb
5.5
WLTP - FC (l/100km) - Comb - Max
5.7
WLTP - FC (l/100km) - Comb - Min
5.5
WLTP - FC (l/100km) - Extra High
6.8
WLTP - FC (l/100km) - Extra High - Max
6.9
WLTP - FC (l/100km) - Extra High - Min
6.5
WLTP - FC (l/100km) - High
5.1
WLTP - FC (l/100km) - High - Max
5.2
WLTP - FC (l/100km) - High - Min
4.9
WLTP - FC (l/100km) - Low
5.5
WLTP - FC (l/100km) - Low - Max
5.6
WLTP - FC (l/100km) - Low - Min
5.2
WLTP - FC (l/100km) - Medium
5.2
WLTP - FC (l/100km) - Medium - Max
5.3
WLTP - FC (l/100km) - Medium - Min
4.9
WLTP - MPG - Comb
51.3
WLTP - MPG - Comb - Max
49.6
WLTP - MPG - Comb - Min
51.3
WLTP - MPG - Extra High
41.5
WLTP - MPG - Extra High - Max
40.7
WLTP - MPG - Extra High - Min
43.3
WLTP - MPG - High
55.4
WLTP - MPG - High - Max
54.4
WLTP - MPG - High - Min
58
WLTP - MPG - Low
51.4
WLTP - MPG - Low - Max
50.4
WLTP - MPG - Low - Min
54.6
WLTP - MPG - Medium
54.3
WLTP - MPG - Medium - Max
52.9
WLTP - MPG - Medium - Min
57.3
Description
Value
CO
0.175
CO2 (g/km)
105
HC
0.017
Noise Level dB(A)
69
NOx
0.002
Standard Euro Emissions
EURO 6
WLTP - CO2 (g/km) - Comb
131
WLTP - CO2 (g/km) - Comb - Max
133
WLTP - CO2 (g/km) - Comb - Min
131
WLTP - CO2 (g/km) - Extra High
154
WLTP - CO2 (g/km) - Extra High - Max
157
WLTP - CO2 (g/km) - Extra High - Min
154
WLTP - CO2 (g/km) - High
116
WLTP - CO2 (g/km) - High - Max
117
WLTP - CO2 (g/km) - High - Min
116
WLTP - CO2 (g/km) - Low
125
WLTP - CO2 (g/km) - Low - Max
127
WLTP - CO2 (g/km) - Low - Min
125
WLTP - CO2 (g/km) - Medium
119
WLTP - CO2 (g/km) - Medium - Max
121
WLTP - CO2 (g/km) - Medium - Min
119
Description
Value
Camshaft
DOHC
Catalytic Convertor
Yes
CC
2487
Compression Ratio
14.0:1
Cylinder Layout
IN-LINE
Cylinders
4
Cylinders - Bore (mm)
87.5
Cylinders - Stroke (mm)
103.5
Engine Code
A25A-FXS
Engine Layout
FRONT TRANSVERSE
Fuel Delivery
MULTI POINT FUEL INJECTION
Gears
1 SPEED
Number of Valves
16
Transmission
AUTO
Description
Value
Alternative Fuel Qualifying
Yes
Badge Engine CC
2.5
Badge Power
218
Coin Description
VVT-i Hybrid 2WD
Coin Series
Excel [JBL + PVM]
Did at least one aspect of this vehicle's safety give cause for concern?
No
Generation Mark
4
Insurance Group 1 - 50 Effective January 07
26E
Manufacturers Corrosion Perforation Guarantee - Years
12
Manufacturers Paintwork Guarantee - Years
3
NCAP Adult Occupant Protection %
93
NCAP Child Occupant Protection %
87
NCAP Overall Rating - Effective February 09
5
NCAP Pedestrian Protection %
85
NCAP Safety Assist %
77
Special Edition
No
Special Order
No
Standard manufacturers warranty - Mileage
100000
Standard manufacturers warranty - Years
5
Vehicle Homologation Class
M1
Description
Value
0 to 62 mph (secs)
8.4
Engine Power - BHP
218
Engine Power - KW
160
Engine Power - RPM
5700
Engine Torque - LBS.FT
163
Engine Torque - MKG
22.5
Engine Torque - NM
221
Engine Torque - RPM
3600
Top Speed
111
Description
Value
Emissions Test Cycle
WLTP
RDE Certification Level
RDE 2
Description
Value
Alloys?
Yes
Space Saver?
No
Tyre Size Front
225/55 R19
Tyre Size Rear
225/55 R19
Tyre Size Spare
TYRE REPAIR KIT
Wheel Style
5-SPOKE
Wheel Type
19" ALLOY
Description
Value
Height
1685
Length
4600
Wheelbase
2690
Width
1855
Description
Value
Fuel Tank Capacity (Litres)
55
Gross Vehicle Weight
2155
Luggage Capacity (Seats Up)
580
Max. Loading Weight
565
Max. Roof Load
70
Max. Towing Weight - Braked
800
Max. Towing Weight - Unbraked
750
Minimum Kerbweight
1590
No. of Seats
5
Turning Circle - Kerb to Kerb
11
Tax - P11D
Fuel Type: Petrol Hybrid
CO2 Emissions: 105 (g/km)
P11D Value: £35,900.00
| Year: 2019-20 | |
| Benefit in Kind Tax %: | 25% |
| Taxable Benefit: | £8,975.00 |
| Annual 20% | £1,795.00 |
| Monthly 20% | £149.58 |
| Annual 40% | £3,590.00 |
| Monthly 40% | £299.17 |
| Annual 45% | £4,038.75 |
| Monthly 45% | £336.56 |
| Year: 2020-21 | |
New table to follow - based on Zero Emission Electric Range. Enquire for more details. | |
Please note: Vehicle tax information is a guide only and is subject to change.
TOYOTA RAV4
£269.88 +VAT
Initial rental £2,428.92 +VAT
Sourcing charge £165 +VAT
Apply For Finance & Order
Speak to us 0330 134 5998
See what Synergy customers are saying
Our business is built on repeat orders, recommendations and referrals. We're passionate about delivering an excellent customer experience.
Platinum Trusted Service
4.9/5
5
4000
4
286
3
10
2
3
1
6
4305 Reviews for Synergy’s Customer Service
Platinum Trusted Service
4.9/5
5
4000
4
286
3
10
2
3
1
6
4305 Reviews for Synergy’s Customer Service
Anonymous User
My sales contact Jordan was very helpful from the outset. The customer service was very personal and a major reason for my purchase.
Posted 14 hours ago
Anonymous User
Excellent Service! Sanjit was very helpful. Great customer service from start to finish. Always kept me update and after delivery contacted me to…
Posted 16 hours ago
Anonymous User
The process seemed quite long winded and at times I felt that I was chasing synergy to push the order along I understand this was do to a third party…
Posted 18 hours ago
Anonymous User
From the 1st phone call enquiring about vehicle availability Synergy were fantastic, helpful, quick to respond to all our questions. Our new car was…
Posted 20 hours ago
FCM Holdings Ltd
Always great service. Car is stunning, very happy wife...... for once!!
Posted 23 hours agowhat our TOYOTA RAV4 Customers say
Platinum Trusted Service
5/5
5
19
4
0
3
0
2
0
1
0
19 Reviews for Toyota Rav4
Platinum Trusted Service
5/5
5
19
4
0
3
0
2
0
1
0
19 Reviews for Toyota Rav4
Michael Heath
Fantastic car, good fuel economy drives well very comfortable
Posted one month ago
Kesslers International LTD
Love the car. Very quiet and easy to drive
Posted 3 months ago
Mcfeaze Ltd
Very well equipped & lovely ride. Very impressed with the build quality
Posted 5 months ago
Anonymous User
lovely to drive, lots of space
Posted 5 months ago
Claire
The Rav4 estate has surpassed all our expectations. Superb in every way.
Posted 11 months agoTALK TO
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Synergy Automotive Ltd trading as Synergy Car Leasing is authorised and regulated by the Financial Conduct Authority (FCA) FRN 660618. Synergy Automotive Ltd trading as Synergy Car Leasing is a credit broker and not a lender.
