{"type":"document","data":{"contentType":"onecms:productPage","flexPageMetadata":{"afmBanner":false,"description":"Looking to borrow a small amount You can start from 2,500 euros with an ING Personal Loan. Need a lower amount? Check your options for an overdraft on your current account or an ING credit card and choose what works best for you.","robotInstruction":{"noFollow":false,"noIndex":false}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"What do we mean by a small amount?"},{"componentType":"paragraph","richBody":{"value":"

€50, €100, €500, €1,000…? What's a small amount for some is a lot of money for others. No matter how high or low your loan amount, we believe it's important that you can borrow money responsibly.

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Borrowing a small amount can be useful if you have a specific goal and cannot or do not want to use your savings for it.

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You can apply for a personal loan starting from €2,500. No matter the size of your loan:

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One of our favourable conditions is that you can always repay early without extra charges. For example: if your Personal Loan runs for 36 months, you can shorten it by making additional repayments.

In general: the shorter the term, the lower the total cost; you pay less interest and finish repaying sooner.

"},"title":"Prefer the shortest possible term?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Borrowing a small amount: how to apply"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Fill out our loan guide to get an indication of the interest rate and costs. Please review all the information carefully.","textLink":{"text":"Get a cost estimate","url":"/en/personal/loans/what-does-borrowing-cost"},"title":"Explore your options"},{"body":"If you'd like to know exactly how much your loan will cost and how much you can borrow, request a free quote. No strings attached.","textLink":{"text":"Apply for a personal loan","url":"https://mijn.ing.nl/banking/loans/personal-loan-apply"},"title":"Request a quote"},{"body":"If you accept our offer, let us know in My ING and send us the required documents (if applicable). We usually open your loan immediately afterwards.","title":"Agree to the terms"}],"title":"Get a loan in 3 steps"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"

Borrowing money costs money. If you choose a personal loan, the cost depends on:

We determine your interest rate based on your personal situation, your purpose for the loan, the loan amount, home ownership, and your risk profile.

Good to know: A small loan can be relatively expensive. Try saving first wherever possible, for example with Round up & Save. If you don’t have enough saved and you need to pay for something important, then borrowing a small amount may be an option.

"},"title":"Is borrowing a small amount expensive?"},{"richBody":{"value":"

All banks and lenders must report loans or credit limits above €250 and lasting longer than 1 month to BKR. This is called a positive BKR registration.

Keep in mind:

Your monthly credit card spending is fully deducted from your ING Current Account, so credit cards are not registered as loans at BKR.

Good to know:

"},"textLinks":[{"text":"BKR registration: what & how","url":"/en/personal/loans/information-about-borrowing/bkr"}],"title":"Can I borrow a small amount without BKR registration?"},{"richBody":{"value":"

A payday loan lets you borrow smaller amounts quickly and for a short period, usually from a few tens to a few hundred euros.

Important:

So be cautious even if it’s “only” for a small amount.

ING does not offer payday loans.

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