€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.
"},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/zorgeloos-lenen","text":"Everything about borrowing with peace of mind"}]},{"componentType":"sectionTitle","title":"When is borrowing a small amount useful?"},{"componentType":"paragraph","richBody":{"value":"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.
"}},{"componentType":"sectionTitle","title":"Borrowing a small amount at ING"},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"ING Personal loan","link":{"url":"/en/personal/loans/our-loans/personal-loan"},"checkMarkList":["From € 2500","Fixed term","Fixed interest rate"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"ING Credit card","link":{"url":"/en/personal/payments/creditcards"},"checkMarkList":["Limit up to €1,000","Linked to your ING Current Account","No interest when paid in full each month"]},{"componentType":"productCard","cardType":"product","cardSize":"medium","title":"ING Overdraft","link":{"url":"/en/personal/loans/our-loans/overdraft"},"checkMarkList":["Limit starting from €250","Only available with an ING Current Account","Variable interest rate"]}]},{"componentType":"sectionTitle","title":"Spotlight: Personal loan"},{"componentType":"paragraph","richBody":{"value":"You can apply for a personal loan starting from €2,500. No matter the size of your loan:
One of our favorable 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.
"}}]},{"componentType":"sectionTitle","title":"Borrowing a small amount: how to apply"},{"componentType":"applicationProcess","steps":{"title":"Get a loan in 3 steps","stepList":[{"title":"Explore your options","body":"Fill out our loan guide to get an indication of the interest rate and costs. Please review all the information carefully.","textLink":{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Get a cost estimate"}},{"title":"Request a quote","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":{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a personal loan"}},{"title":"Agree to the terms","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."}]}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"Is borrowing a small amount expensive?","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":"Can I borrow a small amount without BKR registration?","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:
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.
"}}]},{"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"}]}]}}}