# Personal loans by ING

Get my rate and apply
Fixed 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 repayment fees on your loan
- Personalised fixed rate for your personal loan
- Apply to borrow from €5,000 to €60,000

## Life is full of surprises. A fixed rate ING Personal Loan isn't.

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 fee. Just what you'd expect from Australia's most recommended bank.

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

Personal Loan Features

## Why apply for an ING Personal Loan?

### Personalised fixed interest rate

Get your low personalised fixed interest rate from % p.a. to % p.a., depending on your credit score (comparison rate from % p.a. to % p.a.). You can budget with confidence. No surprises.

### Pay no ongoing fees

Keep things simple with no monthly or annual fees. Establishment fee applies.

### No early repayment fees

Flexibility to make extra repayments whenever you like. Want to pay off early? No early repayment fees if you pay the loan ahead of time.

### Same day application & funds

If you are an existing ING customer, the money can be received into your Orange Everyday on the same day as you accept your loan offer.

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
Personal loan calculators

## Personal loan calculators

Let's crunch some numbers, using INGs helpful tools and calculators you can explore what your fortnightly or monthly repayments might be, how much you could borrow as well as how much you could save with an ING Personal Loan.

### Loan repayment calculator

Work out how much your repayments could be with an ING Personal Loan

Find out more

### Loan Comparison Tool (Rate City)

Considering consolidating debt, or just looking for a better deal? You've come to the right place. Find out how ING fares against other lenders with the RateCity comparison tool.

Learn more

### Borrowing power calculator

See how much you could borrow for an ING Personal Loan and start doing your thing sooner

Find out more
Loan Types

## Our personal loan options

An ING Personal Loan could help you to get the keys to those wheels, get started on your home renovation or jumping on that plane sooner. Explore all of the ways an ING Personal Loan could help you do your thing below.

### Loan for car

Desperately need a new or second set of wheels? An ING Personal Loan could be the perfect way to get there.

Learn more

### Loan for debt consolidation

Find out all the ways an ING Personal Loan is right for you and getting your finances sorted.

Learn more

### Loan for home renovations

Been dreaming of a renovation? Now is the perfect time to explore how an ING Personal Loan could help you with your home renovation.

Learn more

### Loan for travel

Travel bug got you? See all the ways an ING Personal Loan could help you tick off those bucket list destinations sooner.

Learn more

### Loan for a wedding

Have your cake and eat it too with a low personalised fixed interest rate. Say 'I do' to an ING Personal Loan for your dream wedding.

Learn more
How to apply

## Ready to apply 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
Resources

## Our personal loan resources

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