Estimated repayments
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In the next step we will collect some personal details to check your credit score and give you your personalised rate. From here you can decide if you want to continue with your application.
Select a personal loan to cover your needs
Select a personal loan to cover your needs
Life is full of surprises, an ING Personal Loan isn't.
Fixed rate
From
6.89
To
19.99
Comparison rate
From
7.17
To
20.31
Personal loans with nothing to hide
Life is full of surprises, and knowing what's around the corner is important when it comes to your money. A personal loan from ING has a low personalised fixed interest rate, no ongoing fees and no early repayment fees, just what you'd expect from Australia's most recommended bank.
Here's how RateCity compares us with other lenders
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Why choose an ING Personal Loan?
A personalised fixed interest rate
A personalised fixed interest rate from 6.89% p.a - 19.99% p.a. (comparison rate from 7.17% p.a - 20.31% p.a.), depending on your credit score.
No ongoing fees
Keep things simple and money in your pocket with no monthly or annual fees. Establishment fee applies.
Pay it off earlier, without early repayment fees
Do it your way with no nasty fees for paying the loan off early. Redraw not available.
Highly recommended
Join the thousands of Aussies choosing a personal loan from Australia's most recommended bank today.
Same day funds
If you are an existing ING customer, the money can be available in your Orange Everyday on the same day as you accept your loan contract online.
Loans from $5,000 to $60,000, terms up to 7 years
Borrow up to $30,000 over 2 to 5 years. Or enjoy the added option of 6 or 7 years when you borrow up to $60,000.
The comparison rate is based on a loan amount of $30,000 over a loan term of 5 years.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Awarded Canstar Bank of the Year. Again.
Canstar has awarded ING Bank of the Year 2024 for the fifth year running, recognising the outstanding value ING offers across all our products and services.
Calculator
Work out how much you may be able to borrow with ING Personal Loan based on your income and expenses.
About the loan
Credit rating
About you
Your income
Your monthly expenses
Debt consolidation (if applicable)
About loan
Estimated borrowing power
$-
(rounded down to nearest $500)
Estimated monthly repayments
$-
(based on estimated borrowing power)
Fixed interest rate: % p.a.
Comparison rate: % p.a. (Warning.)
Important: The estimates produced by the borrowing power calculator are estimates only, and are based purely on information entered. Actual borrowing power may vary. Results of the borrowing power calculator are not an offer of credit. Any application for credit is subject to ING's credit approval criteria, as well as minimum and maximum loan amounts.
Rates, fees and limits
Personal Loan ins and outs made plain and simple.
Interest rates
| Fixed interest rate | From 6.89% p.a - 19.99% p.a. |
| Comparison rate | From 7.17% p.a - 20.31% p.a. |
Fees
| Establishment fee | $199 |
| Monthly fee | $0 |
| Late payment fee | $30 |
| Early repayment fee | $0 |
Limits
| Minimum loan amount | $5,000 |
| Maximum loan amount | $60,000 |
| Available terms | 2 to 5 years for loans from $5,000 to $30,000 2 to 7 years for loans over $30,001 to $60,000 |
The comparison rate is based on a loan amount of $30,000 over a loan term of 5 years.
WARNING: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.
Forms
All the details to help you make an informed decision.
Before you apply
To be eligible for an ING Personal Loan, you must:
Note: ING Personal Loans are currently not available to Self-employed applicants.