At ING, you can choose between two types of loans: a personal loan or an overdraft. With a personal loan, you borrow a fixed amount that you repay in instalments. With ING overdraft, you can overdraw your current account up to the agreed limit whenever you need to. We check whether this limit suits your situation, so you always borrow responsibly.
The revolving credit is no longer offered as of May 1, 2021.
"}},{"cards":[{"cardSize":"medium","cardType":"product","checkMarkList":["€ 2.500 - € 75.000","Fixed interest","Fixed monthly payments","Extra repayments without penalty"],"componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/1f81b28018ee205b/original/Young-man-vaults-off-street-light-in-park.jpg","transformBaseUrl":"https://assets.ing.com/transform/292b0b6c-d3d3-45ce-a855-4d1846298e3f/Young-man-vaults-off-street-light-in-park","type":"image","width":5454},"intro":"Borrow a fixed amount once","link":{"url":"/en/personal/loans/our-loans/personal-loan"},"title":"Personal loan"},{"cardSize":"medium","cardType":"product","checkMarkList":["€ 250 - € 2.000","Variable interest","You only pay when you use it","Extra repayments without penalty"],"componentType":"productCard","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"Inventaris- en goederenverzekering voor ondernemers","extension":"jpg","original":"https://assets.ing.com/m/105e0ccb670153e7/original/Chef-owner-on-the-phone-while-making-notes-in-his-office-in-restaurant.jpg","transformBaseUrl":"https://assets.ing.com/transform/d122d4af-57a0-471a-8e27-19a1a9a6b562/Chef-owner-on-the-phone-while-making-notes-in-his-office-in-restaurant","type":"image","width":5616},"intro":"Temporarily overdraw when needed.","link":{"url":"/en/personal/loans/our-loans/overdraft"},"title":"ING overdraft"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"jpg","original":"https://assets.ing.com/m/20d0b7a708bb7722/original/Man-and-woman-cleaning-the-windows-of-a-house.jpg","transformBaseUrl":"https://assets.ing.com/transform/f8694512-a048-4073-bcee-3403a45ce5ec/Man-and-woman-cleaning-the-windows-of-a-house","type":"image","width":5700},"intro":"Applications are no longer possible.","link":{"url":"/particulier/lenen/onze-leningen/doorlopend-krediet"},"title":"Revolving credit"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Borrow with peace of mind"},{"componentType":"paragraph","richBody":{"value":"When you borrow, you want to do it with peace of mind. That is why clear information and careful checks are so important to us. And of course, we are here for you during your loan and if things do not go as planned. This way, you can borrow worry-free.
"},"textLinks":[{"text":"Learn more about borrowing with peace of mind","url":"/particulier/lenen/informatie-over-lenen/zorgeloos-lenen"}]},{"componentType":"linkList","iconTitle":{"title":"Loans"},"textLinks":[{"text":"What does borrowing cost?","url":"/en/personal/loans/what-does-borrowing-cost"},{"text":"How much can I borrow?","url":"/en/personal/loans/how-much-money-can-i-borrow"},{"text":"Apply for a loan","url":"https://mijn.ing.nl/banking/loans/personal-loan-apply"},{"text":"Current interest rates","url":"/en/personal/loans/rates"}]}]},"hasMacro":false,"id":"d0a01a92-6ea4-477b-a40a-ec36a706c83b","localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing money","url":"/en/personal/loans"}},"componentType":"categoryHeader","coreHeader":{"subtitle":"Need to borrow money? Discover your options","title":"Our loans"},"legalBanner":{"body":"Let op! Geld lenen kost geld","componentStyle":"default","headerBannerType":"headerBannerType","image":{"extension":"svg","original":"https://assets.ing.com/m/3f5c0b274ee863ed/original/Group-7.svg","transformBaseUrl":"https://assets.ing.com/transform/bfc47636-d002-461a-b209-589beaaa7596/Group-7","type":"image","width":46}}},"publishDate":"2026-02-10T17:00:41.252+01:00"}}