# Home Renovation Personal Loan Our fixed APR ranges from 7.99% to 24.99%.

## Get those paint rollers rolling sooner with an ING Personal Loan for your home renovation

Got home renovation plans you can't wait to get started on? Spare room looking more like a scare room? Whether you plan to DIY or outsource all of the trades, a fixed and unsecured personal loan from ING could be just what you needed. With loan amounts up to €60,000, no ongoing monthly or annual fees and no early payout fees - it's what the ING Personal Loan doesn't have that makes it special.

- Personal Loan Features
- Tools and calculators
- Resources
- FAQs
- How to apply

Personal Loan Features

## Why choose an unsecured personal loan for your home renovation?

- ### Personalised fixed interest rate

  Enjoy peace of mind knowing exactly what your home renovation repayments will be with a low, personalised interest rate from 6.89% p.a. to 19.99% p.a. (comparison rate from 7.17% p.a to 20.31% p.a.)

- ### No ongoing or early exit fees

  Selecting paint swatches can be your priority with an ING Personal Loan

- ### Quick cash to secure those sale items!

  When you have an existing Orange Everyday you could get your personal loan funds on the same day that you accept your loan offer.

- ### Highly recommended

  A person loan that keeps things simple, just what you'd expect from Australia's Most Recommended Bank.

- ### Loans from €5,000 to €60,000

  Mix and match your loan term just like your tapware. 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*.

Important information
It only takes about 20 minutes to complete our online application form.
Get my rate & apply
Work out how much you might be able to borrow.
Calculate now
Tools and calculators

## Calculators

See in to the future and know exactly what your personal loan repayments for your home improvements will be. This table lets you work out your repayments, borrowing power and just how much an ING Personal Loan can save you with a low personalised fixed interest rate.

- ### Repayments

- ### Borrowing power

- ### See what you could save

Repayments

Loan amount (Min €5,000, Max €60,000)

ING offers personal loans between €5,000 and €60,000

Loan term (Min 2 years, Up to 7 years)

Oops, 6 and 7 year repayment terms are only available for loans over €30,000.

Loan term should be between 2 and years

Estimate your credit rating

Comparison rate: % p.a.

Payment Frequency

##### Estimated repayments

$ 0

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.

Get my rate & apply

Maximum Loan amount for Casual and Contractor Employees is €30,000

Borrowing power
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#### 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:

Oops, 6 and 7 year repayment terms are only available for loans over €30,000.

##### Estimated borrowing power

€-

(rounded down to nearest €500)

Maximum Loan amount for Casual and Contractor Employees is €30,000

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: This result is an estimate only and is based on the information you have entered, and is not an offer of credit. Your actual rate and repayment amount may be different. Any application for credit is subject to ING's credit approval criteria, as well as minimum and maximum loan amounts.

See what you could save

#### See what you could save when you transfer to an ING Personal Loan

Thinking about taking out a personal loan with ING? Use RateCity's personal loan calculator to see how much you'd have to repay under different borrowing scenarios. You can also see how ING personal loans compare with other options.

Rates, fees and limits

## Rates, fees and limits

With an ING Personal Loan, we've made the ins and out super simple. No ongoing fees. No early repayment fees. No exit fees. Plus, a low personalised fixed interest rate.

Interest rates

- Fixed interest rate
  from 6.89% p.a. to 19.99% p.a.
- Comparison rate
  from 7.17% p.a. to 20.31% p.a.

Fees

- Establishment fee
  €199
- Monthly fee
  €0
- Late payment fee
  €30
- Early repayment fee
  €0
- Interim statement fee
  €7 per statement

Limits

- Minimum loan amount
  €5,000
- Maximum loan amount
  €60,000.
  Maximum Loan amount for Casual and Contractor Employees is €30,000.
- Available terms
  For loan amounts up to and including €30,000: 2 to 5 years For loan amounts higher than €30,000: 2 to 7 years

Terms & conditions

All the detail to help you make an informed decision.

It only takes about 20 minutes to complete our online application form.
Get my rate & apply
Work out how much you might be able to borrow.
Calculate now
Resources

## Your personal loan resources kit

In planning mode? We've got some tips and calculators to help you.

### Personal loan tips, hints and guides

### Loan forms

### Calculators

#### Tips, hints and guides

Your guide to taking control of debt

Be clear about fees on your personal loan

Save by making additional repayments

What's the difference between secured and unsecured personal loans?

View all

#### Forms

Terms and Conditions

Credit Guide

Target Market Determination

View all

#### Calculators

Personal loan borrowing power calculator

Personal loan repayments calculator

RateCity comparison tool

View all
It only takes about 20 minutes to complete our online application form.
Get my rate & apply
Work out how much you might be able to borrow.
Calculate now
FAQs

## Got a question about the ING Personal Loan?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

See all personal loans FAQs.
It only takes about 20 minutes to complete our online application form.
Get my rate & apply
Work out how much you might be able to borrow.
Calculate now
How to apply

## Ready for an ING Personal Loan?

If you want to borrow between €5,000 and €60,000, all you have to do is:

##### 1. Apply

It only takes about 20 minutes to complete our online application form.

##### 2. Accept the contract

While we work through your application, we'll keep you in the loop via email and SMS. If approved, you then review and accept your contract online.

##### 3. Get paid, same day

Receive the money on the same day you accept your loan offer if you're an existing customer, and elect for the money to be transferred to your Orange Everyday account.

Things to know before you apply:
To be eligible to apply for an ING Personal Loan, you must:

Be aged 18+ and have a valid proof of ID - driver's licence, passport or Medicare

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

Have a good credit rating and meet our credit lending guidelines

Note: ING Personal Loans are currently not available to self-employed applicants.
You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

It only takes about 20 minutes to complete our online application form.
Get my rate & apply
Work out how much you might be able to borrow.
Calculate now

## Personal loan not quite what you're looking for?

Explore our Orange One low rate credit card with no annual fee

- Low 12.99% p.a. variable interest rate
- Instalment plans with an even lower 9.99% p.a. interest rate
- No ING international transaction fees for eligible customers
- No annual fee