At ING, you can choose from two types of loans: a Personal Loan or ING Overdraft. With a Personal Loan, you borrow a fixed amount and start repaying it in instalments immediately. With ING Overdraft, you can overdraw your Current Account up to the agreed limit at any time. We assess whether this limit is appropriate for your situation to help ensure you borrow responsibly.
"}},{"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","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":"/en/personal/loans/our-loans/revolving-credit"},"title":"Revolving Credit"},{"cardSize":"medium","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/97740d99-f05b-459b-bde4-19cb45f19e05/Flatmates-in-the-kitchen-chatting-as-they-make-coffee.jpg","transformBaseUrl":"https://assets.ing.com/transform/97740d99-f05b-459b-bde4-19cb45f19e05/Flatmates-in-the-kitchen-chatting-as-they-make-coffee","type":"image","width":5700},"intro":"Applications are no longer possible.","link":{"url":"/en/personal/loans/our-loans/student-overdraft"},"title":"ING Overdraft for students"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Borrow with peace of mind"},{"componentType":"paragraph","richBody":{"value":"When you take out a loan, you want to do so with confidence. That is why clear information and careful affordability assessments are especially important to us. We are also here to support you throughout the duration of your loan and if your circumstances change. This helps you borrow with peace of mind.
"},"textLinks":[{"text":"Learn more about borrowing with peace of mind","url":"/en/personal/loans/information-about-borrowing/borrowing-with-peace-of-mind"}]},{"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":"Your loan purpose","url":"/en/personal/loans/your-goals"},{"text":"Sustainability loan","url":"/en/personal/loans/information-about-borrowing/sustainability-loan"},{"text":"Apply for a loan","url":"https://mijn.ing.nl/banking/loans/personal-loan-apply"},{"text":"Current Interest Rates","url":"/en/personal/loans/rates"},{"text":"Our loans","url":"/en/personal/loans/our-loans"},{"text":"Your loan at ING","url":"/en/personal/loans/use-my-loan/more-about-ing-overdraft"}]}]},"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":"2026-07-02T12:19:42.263+02:00"}}