You can borrow money for various purposes: a new car, a renovation, or sustainability improvements. The purpose of your loan affects the interest rate and the costs you pay for the loan.
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Curious how much borrowing would cost you? Use our handy calculation tool.
"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate the cost"}]},{"componentType":"sectionTitle","title":"Frequently asked questions about borrowing"},{"componentType":"accordion","accordionList":[{"title":"What does borrowing money cost?","richBody":{"value":"It depends on the type of loan, the total borrowed amount, the current interest rates and the loan term in which you repay it. A shorter loan period means a lower interest rate. Calculate the cost using our loan calculator. Or view the current interest rates.
"},"alignedImage":{"position":"left"}},{"title":"How does a Central Credit Registration Office (BKR) registration work?","richBody":{"value":"If you apply for a personal loan, we always carry out a credit check using the BKR. This lets us better judge if it's responsible for you to take out a loan. If your financial situation is healthy enough for you take out the loan you applied for, you'll receive a quote. If your financial situation is less than ideal, you may still be able to take out a smaller loan. We may also deny your application. You can also apply for a loan if you're registered with the BKR.
Positive BKR registration – If you take out a loan for more than €250 with a term longer than one month, a bank or lender is obligated to register it with the BKR. This is a positive registration. If you make your repayments in time, the registration won't have any negative consequences. A credit provider will be able to see your good payment behaviour and can offer you a loan befitting your financial situation.
Negative registration – If you've missed more than two repayments, we're obligated to report this to the BKR. As a result, you'll receive a negative registration. This may affect future loans and mortgages.
"},"alignedImage":{"position":"left"}},{"title":"How does borrowing money work?","richBody":{"value":"If you're going to borrow, you'll want to do so with peace of mind. Having clear information beforehand will help. In addition, we thoroughly review every loan application to make sure it fits your financial situation. And of course, we're here for you during any potential setbacks.
Here's how to apply for a loan:
Calculate what your loan will cost and request a quote in My ING or the ING app.
If you accept the quote, sign it and send us the necessary documents.
It's currently very busy so it'll take up to 10 business dates for us to review your documents.
Sudden money problems can happen to all of us. You may lose your job, get a divorce or face unexpectedly high expenses. We want to prevent problems from getting worse, so we're here for you during any setbacks or if you’d like to change something.
How stress-free borrowing works at ING
"},"alignedImage":{"position":"left"}},{"title":"Can I borrow money without a fixed income or permanent contract?","richBody":{"value":"If you apply for a loan, we'll see if it's responsible considering your financial situation. We don't want a loan to get you in trouble, even during an unexpected setback. You can take out a loan if you have a temporary contract or certain benefits. If you don't have an income, you unfortunately cannot take out a loan with ING. But you do have other options.
Learn more about borrowing without a fixed income or permanent contract
"},"alignedImage":{"position":"left"}},{"title":"Can I borrow money with ING?","richBody":{"value":"
You can always request a loan quote, no strings attached. We'll review your details and carry out a credit check using the Central Credit Registration Office (BKR). This helps us determine if it would be responsible for you to take out a loan. In the end, you decide if you actually want to take out the loan by accepting our quote. If you don't do anything, the quote will automatically expire after 30 days.
Terms and conditions personal loan
You're over 18 and under 70.
You have an ING current account for a period of three months or more.
You live in the Netherlands.
You have an income that allows you to make the repayments including interest.
If you have social security or unemployment benefits, you unfortunately cannot apply for a loan.
Terms and conditions ING overdraft
You're at least 18 years old.
You have an ING current account for a period of three months or more.
For the last 3 months, a minimum monthly income of at least €250 has been deposited into your account.
Your balance must be positive for at least 24 consecutive hours every three months. This cannot be postponed.
What you pay at most and at least when you choose us
Below you’ll find the maximum costs (highest interest rates) and minimum costs (lowest interest rates) for a Personal Loan. Want to know exactly how much you’ll pay with us? Then request a free quote. During this process, you give us permission to retrieve the necessary information to determine your risk profile and the corresponding interest rate.
Important: Are you borrowing for a car or renovation?
Or for a camper, caravan, motorcycle, or boat? Different interest rates apply to these purposes.
Highest interest rates for a personal loan (Important: your actual interest rate may be lower!)
| Total loan amount | Term/instalments in months | Fixed interest rate | Annual percentage rate (APR) | Instalment (per month) | Total loan cost |
|---|---|---|---|---|---|
| € 2.500 | 60 | 11,9% | 15,4% | € 54,72 | € 3.283,20 |
| € 5.000 | 60 | 11,8% | 13,6% | € 109,23 | € 6.553,80 |
| € 10.000 | 60 | 11,6% | 12,5% | € 217,56 | € 13.053,60 |
| € 15.000 | 60 | 11,2% | 11,8% | € 323,66 | € 19.419,60 |
| € 25.001 | 60 | 10,7% | 11,1% | € 533,81 | € 32.028,60 |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
Lowest interest rates for a personal loan (Important: your actual interest rate may be higher!)
| Total loan amount | Term/instalments in months | Fixed interest rate | Annual percentage rate (APR) | Instalment (per month) | Total loan cost |
|---|---|---|---|---|---|
| € 2.500 | 60 | 10,1% | 13,6% | € 52,70 | € 3.162,00 |
| € 5.000 | 60 | 9,7% | 11,5% | € 104,49 | € 6.269,40 |
| € 10.000 | 60 | 7,9% | 8,8% | € 201,01 | € 12.060,60 |
| € 15.000 | 60 | 6,8% | 7,4% | € 294,20 | € 17.652,00 |
| € 25.001 | 60 | 6,6% | 7,0% | € 488,10 | € 29.286,00 |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
The fixed interest rate applies at 12 March 2026. Subject to change.
If your application is approved, you'll be offered a contract and receive a Standard European Consumer Credit Information sheet. That will set out the most important loan features.
Total loan amount - The agreed amount that you borrow.
Term/instalments in months - A personal loan has a fixed loan term – 60 months, for instance. You'll repay the total amount you've borrowed during this period. You cannot withdraw repayments once they're paid.
Fixed interest rate - The interest rate that you pay for the loan on an annual basis. For a personal loan, the interest you pay is fixed for the entire term.
Annual percentage rate (APR) - This rate consists of the interest you pay for the loan and additional charges, calculated per year. An ING loan requires an ING current account. When you take out a personal loan and open a current account, you can choose our orange package (OranjePakket), which includes My ING and the free mobile banking app. You can choose not to use your debit card for payment terminals and ATMs.
Instalment (per month) - The monthly interest and principal payment for your loan.
Total loan cost - For personal loans, this is the total amount you pay in interest and principal.