# Personal Loan for Debt Apply in minutes and get approved 24 hours.

## Nicely done, stay on top of those bad debts

Whether you're just starting out in your relationship with money or an old hand, it's never too late to show debt who's boss with an ING Personal Loan. Take control by consolidating debts into one fixed repayment. With a low fixed rate, no ongoing fees and no penalties for early repayments, you can get back the control over your finances fast.

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

Personal Loan Features

## Why choose an unsecured personal loan to consolidate debt?

- ### Personalised fixed interest rate

  Know exactly what your repayments will be with a low fixed interest rate from % p.a. to % p.a. (comparison rate from % p.a to % p.a.)

- ### Take control with no early exit fees

  No ongoing fees means 100% of your repayments will go to paying down your ING Personal Loan so you can get on top of your debt sooner.

- ### Get cash pronto!

  Consolidate debt sooner when you have an Orange Everyday. You could get your personal loan funds on the same day that you accept your loan offer.

- ### Highly recommended

  Join the thousands of Aussies choosing an ING Personal Loan with Netherlands's Most Recommended Bank.

- ### Loans from €5,000 to €60,000

  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

Let's talk €€€ and what makes sense. Work out how much your repayments could be, as well as how much you could borrow, and save with an ING Personal Loan.

- ### 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.

Get my rate & apply

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

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 an 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 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 Netherlands citizen, New Zealand citizen, or a permanent resident of Netherlands

Maintain an Netherlands 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