You want to take out a loan with peace of mind. Clear information upfront helps you do that. We carefully review every credit application to make sure it fits your financial situation. And of course, we are here for you if things do not go as planned. You can apply for and finalize an ING loan online.
"}},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a loan now"}},{"componentType":"paragraph","textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate what borrowing costs"}]},{"componentType":"sectionTitle","title":"How does applying for a loan work?"},{"componentType":"applicationProcess","body":"In four steps to your loan:","steps":{"stepList":[{"title":"Calculate what borrowing costs","textLink":{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Check your loan options and the costs of your loan."}},{"title":"Request a quote in My ING or the ING App","textLink":{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply directly."}},{"title":"Agree to the quote","body":"Sign it digitally and send the requested documents.","textLink":{"url":"/en/personal/loans/apply-for-a-loan/questions-about-your-loan-offer","text":"How to sign?"}},{"title":"Application review","body":"We will let you know as soon as we have assessed your application."}]}},{"componentType":"sectionTitle","title":"How long does it take to apply for a loan?"},{"componentType":"paragraph","richBody":{"value":"Apply for your loan in My ING or in the ING App. After receiving all required documents, we’ll review your application within 2 working days.
"}},{"componentType":"sectionTitle","title":"What to keep in mind when taking out a loan?"},{"componentType":"paragraph","richBody":{"value":"Borrowing money costs money. Because you pay interest on the amount you borrow, you will pay back more than just the borrowed amount. Pay attention to:
At ING, you can choose from different loan options:
With a Personal Loan, you pay a fixed interest rate. This means your interest rate will not change during the term of your loan. The interest rate is shown per year. The cost of a Personal Loan depends on the amount you borrow, the loan term you choose and the interest rate. We determine the interest rate based on your personal situation.
Below, you can see the highest and lowest interest rates. Want to know exactly what you would pay for a Personal Loan at ING? Then request a quotation. We need some additional information from you to determine your risk profile and the interest rate that matches it.
"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/interest-rate-of-a-personal-loan","text":"More information about the interest rate of a personal loan"}]},{"componentType":"paragraph","richBody":{"value":"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.
The cost of a Personal loan depends on the amount you borrow, the term you choose, and the interest rate. We determine the interest based on your personal situation. Discover how we determine the interest.
Want to know exactly what you will pay for a personal loan at ING? Request a quote. To determine your risk profile and the matching interest rate, we need more information from you.
"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate your monthly instalment"}]},{"title":"How does a BKR registration work?","richBody":{"value":"When you apply for a Personal loan, we check your details with BKR. This helps us determine whether the loan is responsible. Does the loan suit your financial situation? If it does, you'll receive a quote for the loan amount you requested. If it doesn't fully suit your needs, you may be offered a lower loan amount or your application could be declined.
Positive registration - If you take out a loan higher than €250 and longer than one month, banks and lenders must report this to BKR. This is a positive registration. If you pay on time, this has no consequences. It shows lenders that your payment behavior is good and helps you get a loan that fits your financial situation.
Negative registration - If you miss more than two payments, we are required to report this to BKR, and you will receive a negative registration. This can affect future loans and mortgages.
"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/bkr","text":"Read more about BKR registrations"}]},{"title":"Can I just apply for a personal loan?","richBody":{"value":"You can request a loan quote at any time without obligation. During your quote request, we check your details and perform a BKR check. This helps us determine whether the loan is responsible for you. You then decide whether to accept the quote. If you do nothing, the quote automatically expires after 30 days.
Conditions for a ING personal loan:
Conditions ING overdraft
You have had an ING current account for at least 4 months and live in the Netherlands.
In the last 3 months, at least €250 per month has been deposited as income.
Every 3 months, you must be in the positive for at least 24 consecutive hours. Postponement is not possible.
Yes, you apply for a loan online via My ING or the ING App. First, request a quote. During the application, we check whether the loan suits you. If everything is approved, you receive a quote immediately. Want to finalize the loan? That can also be done online. In some cases, we ask you to send documents, such as your latest pay slip. This can be done by uploading your documents.
"}},{"title":"What we ask during your application","richBody":{"value":"To take out a personal loan, you must be older than 18 and younger than 70. You also need to have held an ING payment account for at least three months and live in the Netherlands. Finally, you must have an income that allows you to pay the monthly instalments and interest. If you receive social assistance benefits or unemployment benefits, you cannot apply for a loan.
In your Personal Loan application, we ask for the following information:
If applicable, we also ask for:
ING offers Personal loans for amounts between €2,500 and €75,000. Let’s see if you can borrow the amount you want in your situation.