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.
"}},{"componentType":"sectionTitle","title":"Calculate your loan"},{"alignedImage":{"position":"right","extension":"svg","original":"https://assets.ing.com/m/32b6d06d0586a6b4/original/8_Payroll-1.svg","transformBaseUrl":"https://assets.ing.com/transform/c2e17508-fc2f-45ae-a8f4-ae23811a45e0/8_Payroll-1"},"componentType":"paragraph","richBody":{"value":"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:
Example calculations
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.
"}},{"componentType":"cta","textLink":{"text":"Calculate the cost of a loan","url":"/en/personal/loans/what-does-borrowing-cost"}},{"componentType":"sectionTitle","title":"When can I apply for a loan?"},{"alignedImage":{"position":"right"},"componentType":"paragraph","richBody":{"value":"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)
"}},{"componentType":"sectionTitle","title":"How does applying for a loan work?"},{"componentType":"paragraph","richBody":{"value":"Applying for a loan is easy with our calculation tool. Follow these steps:
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.
"},"title":"How much can I borrow as a student?"},{"richBody":{"value":"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.
"},"textLinks":[{"text":"Check what business financing costs and which financing option best fits your situation","url":"/en/business/loans-and-finance/calculation"}],"title":"How much can I borrow as an entrepreneur or freelancer?"},{"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:
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.
"},"title":"What if my income changes during the loan term?"},{"richBody":{"value":"
The documents we need to assess your Personal Loan application depend on your personal situation. Once you have applied for a Personal Loan quote, you can find out which documents we require in the following ways:
It may happen that you are asked to submit a payslip even if your income is paid into your ING account. If your income is paid into your ING account, it is still important that you send us your payslip when requested. Your payslip shows, for example, whether pension contributions are being paid and whether you have a temporary or permanent contract.
"},"title":"I’m being asked to submit a payslip, but my income is paid into my ING account. Is this also necessary?"},{"richBody":{"value":"It may happen that you are asked to submit a statement of your current account to demonstrate your housing costs. Even if your housing costs are debited from your ING account, it is important that you still submit a statement when requested. This is required for file documentation purposes.
Signing the Personal Loan quote can easily be done digitally. To do this, log in to My ING or the ING App. In the overview, click on ‘Loans’ and then choose the option ‘Sign loan quote’. If you are applying for a Personal Loan together with a partner, both of you must sign the quote this way. If one of the applicants does not have their own login details, it is not possible to sign digitally unless they apply for My ING, where you can read how to do this. You can also find the quote in the inbox of the ING App and My ING. You can print it, sign it and have both applicants sign it. Then send the quote to lenen@ing.nl.
"},"title":"How can I sign the Personal Loan quote?"},{"richBody":{"value":"If you have completed the application process for a Personal Loan in full, you will receive a message in your inbox in the ING App and My ING with the subject ‘Quote for a Personal Loan’. If you have not received this message, you have probably not completed all steps in the application process. In that case, you can return to the application process via this page and continue the steps.
"},"title":"I have applied for a Personal Loan, how can I check if my application was completed successfully?"},{"richBody":{"value":"If you have applied for a loan, signed the quote and submitted the requested documents, you will receive a message in your inbox within 2 working days about your loan application. If you have been waiting longer than 2 working days, this is probably because we are still waiting for an action from you. What you can do:
If you are applying for a loan together with your partner, both applicants must sign via their own online banking. You do this in the task list. In the ING App, you can find this by clicking the bell icon at the top of your screen. If one of you does not have your own login details, you must print the quote, sign it together and then send it to lenen@ing.nl.
"},"title":"I have applied for a loan but have not heard anything yet. When will I be informed whether the loan has been approved?"},{"richBody":{"value":"If you have submitted all documents in full and the quote has been signed, we can assess your application. You will receive a message about this within 2 working days in the inbox of My ING and the ING App. If your application is approved, you will also receive the loan amount directly on your linked current account. If your application is declined, the message will state the reason for the rejection. If the documents are not yet complete or clear enough, you will receive an email requesting additional information.
Once the loan amount of the Personal Loan has been paid out to your current account, this Personal Loan will also be registered with the BKR.
"},"title":"I have uploaded and submitted the documents. What happens next?"},{"richBody":{"value":"If you have applied for a Personal Loan and your application has been declined, there may be several reasons. If your application is declined, you will always receive a message in the inbox of your online banking with the reason for the rejection. Common reasons for a rejection are:
During the assessment of a Personal Loan application, we also assess whether we can offer a Personal Loan for a lower amount. If this is possible, you will receive a message about this instead of a rejection. If you have received a rejection, this unfortunately means that we cannot offer you a loan at all.
"},"title":"If my Personal Loan application is declined, can I apply again for a lower amount?"},{"richBody":{"value":"If your Personal Loan application has been declined, we are unfortunately unable to offer you a Personal Loan based on your current financial situation. However, there are a number of things you can do and/or check:
If you expect to run into financial problems as a result of the rejected Personal Loan application, you can email preventiedesk@ing.com or request a call back via this page. We are happy to think along with you about other options.
"},"title":"What can I do if my application is rejected?"},{"richBody":{"value":"It is not possible to change the details you entered once you have requested a quote. We assess your application based on the information provided. If you want to cancel your application, please contact us. One of our colleagues will help you further.
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