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"},{"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":{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate the cost of a loan"}},{"componentType":"sectionTitle","title":"When can I apply for a loan?"},{"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)
"},"alignedImage":{"position":"right"}},{"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":"How much can I borrow as a student?","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 an entrepreneur or freelancer?","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":[{"url":"/en/business/loans-and-finance/calculation","text":"Check what business financing costs and which financing option best fits your situation"}]},{"title":"How much can I borrow with a student loan?","richBody":{"value":"It depends on:
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 an AOW pension?","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":"Can I borrow extra money later?","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.
"}}]},{"componentType":"linkList","iconTitle":{"title":"Want to know more about borrowing money?"},"textLinks":[{"url":"/en/personal/loans/how-much-money-can-i-borrow","text":"How much can I borrow?"},{"url":"/en/personal/loans/our-loans/overdraft","text":"Overdraft"},{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Borrowing money cost"},{"url":"/en/personal/loans","text":"Borrowing money"},{"url":"/en/personal/loans/information-about-borrowing/bkr","text":"Borrowing and the BKR"},{"url":"/particulier/lenen/onze-leningen/doorlopend-krediet","text":"Revolving credit (Dutch only)"},{"url":"/en/personal/loans/your-goals/car-loan","text":"Borrow money for a car"},{"url":"/en/personal/loans/your-goals/energy-saving-renovation","text":"Sustainability loan"}]}]}}}