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Life is full of surprises, an ING Personal Loan isn't.

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Fixed rate

From

6.19 %
p.a.

To

19.99 %
p.a.

Comparison rate

From

7.03 %
p.a.

To

20.78 %
p.a.

No early repayment fees

Flexibility to make extra repayments whenever you like

Loans from $5,000 to $60,000, terms up to 7 years

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 and no early repayment fees, just what you'd expect from Australia's most recommended bank.

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Calculator

Work out how much you may be able to borrow with ING Personal Loan based on your income and expenses.

About the loan

Loan amount:
Loan term:

Credit rating

Estimate your credit rating:

Comparison rate: % p.a.

Payment frequency:

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.

Note: The estimated repayment amount provided in this calculator is exclusive of the monthly Loan Service Fee.

About you

Dependents:
Postcode:

Your income

Gross monthly salary:
Other monthly income:

Your monthly expenses

Living expenses:
Rent / Mortgage repayments:
Total other loan repayments:
Total credit card limit:

Debt consolidation (if applicable)

Other loan limit to consolidate:
Credit card limit to consolidate:

About loan

Estimate your credit rating:

Comparison rate: % p.a.

Loan term:

Estimated borrowing power

$-

(rounded down to nearest $500)

Sorry, we're unable to consider a loan application based on the details entered.

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.

Estimated monthly repayments

$-

(based on estimated borrowing power)

Fixed interest rate: % p.a.

Comparison rate: % p.a. (.)

Sorry, we're unable to consider a loan application based on the details entered.

Note: The estimated borrowing power and repayment amount provided in this calculator is exclusive of the monthly Loan Service Fee.

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.

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Why choose an ING Personal Loan?

A personalised fixed interest rate

A personalised fixed interest rate from 6.19% p.a - 19.99% p.a. (comparison rate from 7.03% p.a - 20.78% p.a.), depending on your credit score.

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.

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CANSTAR - Bank of the Year 2020 - 2026

Canstar Bank of the Year, after year, after year...

ING has been awarded Canstar Bank of the Year seven years running (2020 - 2026) for outstanding value across our suite of products and services.

Rates, fees and limits

Personal Loan ins and outs made plain and simple.

Fixed interest rate From 6.19% p.a - 19.99% p.a.
Comparison rate From 7.03% p.a - 20.78% p.a.
Establishment fee $199
Monthly loan service fee $8
Late payment fee $30
Early repayment fee $0
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.

Terms & conditions

Target Market Determination

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More from ING

Important information

Information and interest rates are current as at the date of publication and are subject to change.

Any advice in this communication does not consider your objectives, financial situation or needs and you should consider whether it is appropriate for you. Before making any decision in relation to an ING Personal Loan or Orange Everyday, you should read the Personal Loan Terms and Conditions and ING's Credit Guide, and the Orange Everyday Terms and Conditions and the Orange Everyday Fees & Limits Schedule, available at ing.com.au.

Personalised interest rate

The personalised interest rate is not an offer of credit and is based on your Equifax Australia Information Services and Solutions Pty Limited credit score. If the information you provide us to obtain your Equifax Australia Information Services and Solutions Pty Limited credit score is not accurate, the personalised interest rate may not apply. If you wish to apply for a personal loan please complete the application on the ING website.

Comparison rate

The comparison rate for the ING Personal Loan is based on an unsecured loan of $30,000 over a loan term of 5 years. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.

Interest Rate

The interest rate used in this calculation is the ING Personal Loan rate (a fixed interest rate) which may change at any time without notice.

Calculators

Results from the ING Borrowing Power Calculator and Personal Loan Repayments Calculator do not constitute an application or offer of credit (and do not imply that credit is available). You can apply for an ING Personal Loan on our website.

The Personal Loan Repayments Calculator gives an indication of the type of repayment required and the total interest payable, at the frequency requested, in respect of the loan parameters entered, namely amount, term and interest rate. The results are an approximate guide only and should not be used as exact values for financial planning purposes. The formulae used within this calculator may change at any time without notice. The following assumptions apply to the Personal Loan Repayments Calculator.

Length of Month

All months are assumed to be of equal length. In reality, many loans accrue interest on a daily basis which means monthly interest charges may vary depending on the number of days in the particular month.

Number of Weeks & Fortnights in a Year

One year is assumed to contain exactly 52 weeks or 26 fortnights. This implicitly assumes that a year has 364 days rather than the actual 365 or 366.

Rounding of Amount of Each Repayment

In practice, repayments are rounded to at least the nearer cent. However the calculator uses the unrounded repayment to derive the amount of interest payable at points along the graph and in total over the full term of the loan. This assumption allows for a smooth graph and equal repayment amounts.

Canstar Bank of the Year 2020 - 2026: Canstar has awarded ING Bank of the Year 2026 for the seventh year in a row, recognising the outstanding value ING offers across all our products and services.

Australia's #1 Most Recommended Bank - RFI Global Consumer Atlas Survey

ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246) when compared to customers of the 10 largest ADIs operating in Australia amongst Any Financial Relationship (AFR) customers. ING is Australia's fifth largest main financial institution (MFI) with 5% market share according to RFI Global's Consumer Atlas Survey, July - December 2025 (n = 29,246). AFR customers is defined as those who hold any product with the bank, even if the bank is not their MFI. MFI is defined as the bank that the consumer says is their main financial institution.