Do you want to borrow for a car or renovation? Or for a camper, caravan, motorcycle, or boat? Different interest rates apply to these.
"}},{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/1fff82a718b7efe5/original/carsideview4.svg","transformBaseUrl":"https://assets.ing.com/transform/2cd450ab-dcf4-42bc-81de-9bc1fb641a41/carsideview4","type":"image","width":160},"intro":"Used or new car, at ING you can easily apply for a car loan.","link":{"url":"/en/personal/loans/your-goals/car-loan"},"title":"Car loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/2175e36d62ea7b16/original/houseconstructionfundnopadding.svg","transformBaseUrl":"https://assets.ing.com/transform/81765042-0328-4b64-9087-dab28595bd9d/houseconstructionfundnopadding","type":"image","width":0},"intro":"New kitchen, more living space, or making your home more sustainable?","link":{"url":"/en/personal/loans/your-goals/finance-renovation"},"title":"Renovation loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/asset/f06f4551-e8e7-4e37-89ba-a1c9f4bd2eab/easy-switch-illustration.jpg","transformBaseUrl":"https://assets.ing.com/transform/f06f4551-e8e7-4e37-89ba-a1c9f4bd2eab/easy-switch-illustration","type":"image","width":3000},"intro":"Transfer your current loan(s) to ING","link":{"url":"/en/personal/loans/our-loans/transfer-loan"},"title":"Transfer Loan(s)"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/381e1325d0c30b/original/stork-money-bag.svg","transformBaseUrl":"https://assets.ing.com/transform/417cb9fe-dcdf-41bf-9f7b-daa084436400/stork-money-bag","type":"image","width":0},"intro":"Do you want to borrow money for a motorcycle, caravan, or something else?","link":{"url":"/particulier/lenen/jouw-leendoel"},"title":"Other loan purpose? (Dutch only)"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Why choose a Personal Loan?"},{"actionAccordionList":[{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/145d0eb66bbdbc37/original/Multimedia-Video_Quality_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/3595e886-8fed-4e09-9b3c-a3bfb424a8bc/Multimedia-Video_Quality_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"During your application, we'll review your information and perform a few thorough checks. This will help us determine if the amount you'd like to borrow is realistic and sensible.
"}}],"title":{"value":"Borrow with confidence
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/36a20623fa4c307f/original/Transactions-Transfer_Out_Euro_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/93160bf2-e0a9-463b-a803-c9bed727257d/Transactions-Transfer_Out_Euro_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"The purpose and amount of your loan, home ownership and your risk profile determine the fixed interest rate on your personal loan.
"}}],"title":{"value":"Fixed monthly repayments
"}},{"icon":{"altTextNL":"\"\"","extension":"svg","original":"https://assets.ing.com/m/7a2e6a3256ab6223/original/Feedback-Thumbs_Up_Outline.svg","transformBaseUrl":"https://assets.ing.com/transform/5088d817-3e5e-4106-866e-bc520fbd75fc/Feedback-Thumbs_Up_Outline","type":"image","width":32},"paragraphs":[{"componentType":"paragraph","richBody":{"value":"You can always make extra payments without any penalty. You can also extend your loan term or borrow more.
"}}],"title":{"value":"On good terms
"}}],"componentType":"actionAccordion"},{"componentType":"sectionTitle","title":"How do I apply for a loan?"},{"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 within two working days afterwards.","title":"Agree to the terms"}],"title":"Get a loan in 3 steps"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"accordionList":[{"richBody":{"value":"Pros:
Cons:
Terms & Conditions Personal Loan
"},"title":"What are the terms and conditions of a Personal Loan?"},{"richBody":{"value":"The cost of a Personal Loan depends on how much you borrow, the loan term and the interest rate. We’ll set that interest rate based on your personal situation. Discover how we determine interest rates.
Request a free offer to find out exactly how much you’ll be paying. We'll need a few details to create your risk profile and determine the appropriate interest rates.
"},"title":"What does a Personal Loan cost?"},{"richBody":{"value":"You can use the money immediately.
You’ll pay a fixed monthly instalment consisting of principal and interest until you’ve repaid your loan in full. This way, you’ll know exactly what to expect.
We report the signing of a Personal Loan to the BKR. This is a positive registration.
> More about BKR-registration and your loan
If you have a positive BKR-registration, you can apply for a loan. We use your BKR information to ensure that a new loan is appropriate for your financial situation. Unfortunately, it is not possible to apply for a loan if you have a negative BKR-registration.
We use your BKR information to assess whether a loan is financially responsible.
ING does not provide advice. You assess yourself whether the product suits your wishes, needs, and personal situation, and whether you choose this product.
"},"title":"Does ING provide advice?"},{"richBody":{"value":"A Personal Loan must be fully repaid by the time you turn 75. Are you almost 70? Then the maximum loan term is 60 months.
"},"title":"Almost 70 years old?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"What does a Personal Loan cost?"},{"componentType":"paragraph","richBody":{"value":"Below you can see the maximum costs (highest interest rates) and minimum costs (lowest interest rates) for a Personal Loan. Want to know exactly how much you would pay with us? Then request a offer without obligation.
During this process, you give us permission to retrieve the necessary information to determine your risk profile and the corresponding interest rate.
Highest interest rates for a personal loan (Important: your actual interest rate may be lower!)
| Total loan amount | Term/instalments in months | Fixed interest rate | Annual percentage rate (APR) | Instalment (per month) | Total loan cost |
|---|---|---|---|---|---|
| € 2.500 | 60 | 11,9% | 15,4% | € 54,72 | € 3.283,20 |
| € 5.000 | 60 | 11,8% | 13,6% | € 109,23 | € 6.553,80 |
| € 10.000 | 60 | 11,6% | 12,5% | € 217,56 | € 13.053,60 |
| € 15.000 | 60 | 11,2% | 11,8% | € 323,66 | € 19.419,60 |
| € 25.001 | 60 | 10,7% | 11,1% | € 533,81 | € 32.028,60 |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
Lowest interest rates for a personal loan (Important: your actual interest rate may be higher!)
| Total loan amount | Term/instalments in months | Fixed interest rate | Annual percentage rate (APR) | Instalment (per month) | Total loan cost |
|---|---|---|---|---|---|
| € 2.500 | 60 | 10,5% | 14,0% | € 53,16 | € 3.189,60 |
| € 5.000 | 60 | 10,1% | 11,9% | € 105,40 | € 6.324,00 |
| € 10.000 | 60 | 8,2% | 9,1% | € 202,32 | € 12.139,20 |
| € 15.000 | 60 | 7,1% | 7,7% | € 296,14 | € 17.768,40 |
| € 25.001 | 60 | 6,9% | 7,3% | € 491,41 | € 29.484,60 |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
The fixed interest rate applies at 13 May 2026. Subject to change.
If your application is approved, you'll be offered a contract and receive a Standard European Consumer Credit Information sheet. That will set out the most important loan features.
Total loan amount - The agreed amount that you borrow.
Term/instalments in months - APersonal Loan has a fixed loan term – 60 months, for instance. You'll repay the total amount you've borrowed during this period. You cannot withdraw repayments once they're paid.
Fixed interest rate - The interest rate that you pay for the loan on an annual basis. For a Personal Loan, the interest you pay is fixed for the entire term.
Annual percentage rate (APR) - This rate consists of the interest you pay for the loan and additional charges, calculated per year. An ING loan requires an ING current account. When you take out a Personal Loan and open a current account, you can choose ING Go, which includes My ING and the ING App. You can choose not to use your debit card for payment terminals and ATMs.
Instalment (per month) - The monthly interest and principal payment for your loan.
Total loan cost - For Personal Loans, this is the total amount you pay in interest and principal.