$350 Cashback bonus

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Fixed rate
From
6.89
To
19.99
Comparison rate
From
7.17
To
20.31
  • Personalised fixed interest rate so you know your repayments for the life of your loan.
  • Flexibility to make extra repayments whenever you like
  • Loans from $5,000 to $60,000, terms up to 7 years
do your thing

350 more reasons to do your thing

Life is full of surprises, like a $350 bonus for a limited time only!

Are you, a family member or friend looking for a Personal Loan? Use the code in the email when applying - T&C's apply.

Apply now Get my rate

Special offer
$350 cashback bonus

Here's what you need to do

1

Apply for an ING Personal Loan using the promo code in the email.

2

Once approved, accept your contract by the date specified in your email.

3

We'll then pop $350 into your Orange Everyday account within 60 days. No Orange Everyday? You can open one in the ING app or at ing.com.au before you apply for your ING Personal Loan.

Apply now

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.

Apply now Get my rate
CANSTAR - Bank of the Year 2020 - 2025

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

ING has been awarded Canstar Bank of the Year six years running (2020 - 2025) for outstanding value across our suite of 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

    Comparison rate: % p.a.

    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.

    About you
    Your income
    Your monthly expenses
    Debt consolidation (if applicable)
    About loan

      Comparison rate: % p.a.

      Estimated borrowing power

      $-

      (rounded down to nearest $500)

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

      Estimated monthly repayments

      $-

      (based on estimated borrowing power)

      Fixed interest rate: % p.a.

      Comparison rate: % p.a. (Warning.)

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

      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.

      Apply now Get my rate

      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.
      Establishment fee $199
      Monthly fee $0
      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

      Before you apply

      To be eligible for an ING Personal Loan, you must:

      • Be aged 18+ and be able to provide us with your ID documents
      • Earn $36,000 or more a year (before tax) with PAYG payslips as your primary source of income
      • Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia
      • Maintain an Australian residential address

      Note: ING Personal Loans are currently not available to Self-employed applicants.

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      do your thing

      More from ING

      Important Information

      All applications for credit are subject to ING's eligibility and credit approval criteria and the outcome is not guaranteed. Fees, charges and eligibility apply. Redraw not available.

      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.

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

      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.

      Personal Loan $350 cashback bonus offer

      To be eligible to receive the $350 cashback bonus you, must satisfy each of the following (the 'Eligibility Criteria'):

      • Not currently hold an ING Personal Loan, or have held an ING Personal Loan in the 12 months prior to the start date specified in your email; and
      • Apply and be approved for a new ING Personal Loan before the date specified in your email; and
      • Either be the original recipient of this email, or have entered the promo code in the email at the time of the ING Personal Loan application; and
      • Hold at least one active and not restricted Orange Everyday account at the time the $350 cashback bonus is paid.

      Once you've met the Eligibility Criteria, ING will make a payment of $350 into an Orange Everyday account in your name within 60 days, provided that both the ING Personal Loan and Orange Everyday account are active and not restricted at the time of the payment. If you have more than one active and unrestricted Orange Everyday account, the payment will be made to the account with the highest balance on the day the payment is made. This may be an account held jointly. For the avoidance of doubt, any customer who meets the Eligibility Criteria can only receive the $350 payment once, even if:

      • they meet the Eligibility Criteria multiple times; or
      • the payment is made into a jointly held Orange Everyday.

      This offer is available for a limited time only and is not available in conjunction with any other promotional offer unless expressly indicated. This offer applies only in respect of the original recipient of this email, and any family and friends of the original recipient with whom the promo code is shared. This offer may have tax implications. You should seek independent tax advice.

      ING may, acting reasonably, extend or withdraw this offer at any time at its sole discretion. We will let the original recipient of this email know if we withdraw this offer.

      Products are issued by ING, a business name of ING Bank (Australia) Limited ABN 24 000 893 292, AFSL and Australian Credit Licence 229823.

      Canstar Bank of the Year 2020 - 2025: Canstar has awarded ING Bank of the Year 2025 for the sixth year in a row, recognising the outstanding value ING offers across all our products and services.

      ING is Australia's most recommended bank according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182) when compared to customers of the 10 largest ADIs operating in Australia. ING is Australia's fifth largest main financial institution (MFI) with 5% of market share according to RFI Global's Consumer Atlas Survey, August 2024 - January 2025 (n = 29,182). MFI is defined as the bank that the consumer says is their main financial institution.

      NB: 10 Largest ADI's are CBA, Westpac, NAB, ANZ, Macquarie, ING, Bendigo, Suncorp, BOQ, HSBC

      *Competitor set for AFR NPS position excludes Up bank and Ubank