You can count on the following with us:
Curious how much you can save on your current personal loan? Get an immediate indication of the interest and costs if you borrow with us.
Tip: Enter the amount you want to refinance (in other words: the part you have not yet repaid) plus any extra amount you may want to borrow.
"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate loan directly"}]},{"componentType":"sectionTitle","title":"How does refinancing a personal loan work?"},{"componentType":"applicationProcess","steps":{"title":"You can arrange refinancing your loan in just a few steps:","stepList":[{"title":"You request a personal offer","body":"To know exactly what borrowing with us will cost, you request a personal offer. This does not commit you to anything yet."},{"title":"You indicate which loan(s) you want to refinance","body":"In your non-binding offer application, you will automatically see when you need to enter which loan(s) you want to refinance."},{"title":"You receive a personal offer from us","body":"This offer is valid for 30 days. It includes, among other things, the interest rate, term and conditions. Sometimes we ask for additional documents (for example: a payslip)."},{"title":"You give us your approval","body":"You do this in the ING App or via My ING. Everything is clearly explained there."},{"title":"Your loan refinancing is arranged","body":"As soon as responsible borrowing with us is possible and you have accepted our offer, we will cancel your existing loan(s) on your behalf."}]}},{"componentType":"accordion","accordionList":[{"title":"How do we cancel your loan(s) and what should you take into account?","richBody":{"value":"We repay your outstanding debt (in other words: the amount that has not yet been repaid) to your current lender. We do this using your new Personal Loan.
Important: take into account that you may have to pay an early repayment penalty to your current lender.
"}}]},{"componentType":"sectionTitle","title":"What are the pros and cons of refinancing a personal loan?"},{"componentType":"paragraph","richBody":{"value":"Whether you ‘should’ refinance your loan(s) depends on your situation. Below we list the main pros and cons.
It can be much more beneficial to refinance your current personal loan before the end of its term. The main reasons why others move their outstanding debt to ING:
Some people who want to refinance their personal loan to ING may face:
You do not pay any refinancing fees at ING. In the overviews below, you can see the maximum costs (the highest interest rates) and the minimum costs (the lowest interest rates) over the term of your Personal Loan with us.
For example: suppose you want to refinance your current loan with us and you still need to repay €10,000. With a term of 60 months, your new interest rate will be between 8.00% and 10.90%. Your exact interest rate is determined based on your personal situation. Check how.
Want to know exactly how much you will pay with us? Then request an offer.
"}},{"componentType":"cta","microCopy":"This does not commit you to anything","textLink":{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply?flowtype=transfer","text":"Request offer"}},{"componentType":"sectionTitle","title":"The highest and lowest interest rates for refinancing a personal loan"},{"componentType":"paragraph","richBody":{"value":"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 | 10,1% | 13,6% | € 52,70 | € 3.162,00 |
| € 5.000 | 60 | 9,7% | 11,5% | € 104,49 | € 6.269,40 |
| € 10.000 | 60 | 7,9% | 8,8% | € 201,01 | € 12.060,60 |
| € 15.000 | 60 | 6,8% | 7,4% | € 294,20 | € 17.652,00 |
| € 25.001 | 60 | 6,6% | 7,0% | € 488,10 | € 29.286,00 |
| Provider | ING Bank NV, Bijlmerplein 888, 1102 MG Amsterdam | Trade Register Amsterdam nr. 33031431 |
The fixed interest rate applies at 12 March 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 - A personal 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 our orange package (OranjePakket), which includes My ING and the free mobile banking 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.
When refinancing a personal loan, pay attention to the following points:
With almost all lenders, you can leave before the originally agreed term ends. You do have to repay the outstanding debt in one go.
Important: keep in mind that you may have to pay an early repayment penalty if you repay everything early.
Refinancing may be interesting if:
This depends on the amount you want to refinance, the term you choose and the interest rate you can get.
Want an indication of how much you can save? Go to our calculator and enter the amount you want to refinance (the amount you have not yet repaid).
"}}]},{"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"}]}]}}}