{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Want to know how much you can borrow? Calculate within 3 minutes how much money you can borrow at ING and request a non-binding quote.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What can I borrow?"},{"componentType":"paragraph","richBody":{"value":"

Your maximum loan amount depends on several factors, such as your income, fixed expenses, and whether you have a mortgage. A personal loan at ING has a minimum amount of €2,500 and a maximum amount of €75,000. Through Mijn ING or the ING app, you can easily request a non-binding quote and find out how much you can borrow in your specific situation.

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Want to know how much you can borrow? With our calculation tool, you’ll see your options within minutes. Enter your income and other financial details, and the tool will immediately calculate the maximum amount you can borrow. This helps you get a clear picture of what you can borrow without exceeding your budget.

To calculate your maximum loan, we need some details. We calculate your maximum loan based on:

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Example calculations

"},"textLinks":[{"text":"Want to know exactly how much you can borrow?","url":"/en/personal/loans/how-much-money-can-i-borrow"}]},{"componentType":"sectionTitle","title":"What does a loan cost?"},{"componentType":"paragraph","richBody":{"value":"

The cost of your loan depends on several factors: the purpose, the amount, and the term over which you repay the borrowed amount. Use the calculator to find out how much interest you’ll pay and what your monthly payments will be. This gives you an indication of whether requesting a quote for this amount is worthwhile.

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Our loan is suitable for various purposes, such as financing a car, a renovation, or another major expense. You can apply for a loan if you:

See the terms of the Personal Loan (Dutch only)

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Applying for a loan is easy with our calculation tool. Follow these steps:

  1. calculate your maximum loan with the tool
  2. choose the amount and term that suit you best
  3. enter your personal details and submit your application
  4. after approval, the money will be deposited into your account within a few days
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Your maximum loan amount depends on factors such as your income, fixed expenses, and whether you have a mortgage. A personal loan at ING ranges from €2,500 to €75,000. Through Mijn ING or the ING app, you can easily request a non-binding quote and find out how much you can borrow in your specific situation.

"},"title":"What can I borrow?"},{"richBody":{"value":"

Do you have a student account? Then you can apply for ING overdraft (up to €1,000). Your income and any ING credit card ownership determine the limit you can choose.

With a student account, you cannot apply for a personal loan.

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As an entrepreneur or freelancer, you can also apply for a private loan. We review your annual figures and income tax returns for the past two years. How much you can borrow depends on your income during those two years.

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It depends on:

"},"title":"How much can I borrow with a student loan?"},{"richBody":{"value":"

Receiving a Wajong benefit? You can apply for a loan with us. How much depends on:

You must be able to prove that you will receive your Wajong benefit during the loan term.

"},"title":"How much can I borrow with a Wajong benefit?"},{"richBody":{"value":"

Receiving an AOW pension? You can apply for a loan with us. How much depends on:

You can take out a personal loan until age 70. It must be fully repaid by age 75.

 

"},"title":"How much can I borrow with an AOW pension?"},{"richBody":{"value":"

You can adjust your loan later. We assess changes as a new application to ensure the revised loan still suits you. You can borrow extra in two ways:

"},"title":"Can I borrow extra money later?"},{"richBody":{"value":"

Sometimes unexpected changes make repayment difficult. If your personal situation changes, contact ING for advice. We’ll work with you to find a suitable solution.

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