{"type":"document","data":{"id":"08fe5c3c-84c5-44f7-b0f4-b7cc496de0aa","localeString":"en-GB","publishDate":"2026-02-10T16:42:00.744+01:00","contentType":"onecms:productPage","hasMacro":false,"flexPageMetadata":{"afmBanner":false,"robotInstruction":{"noIndex":false,"noFollow":false},"description":"Want to postpone your loan payment once? You can do this yourself once per calendar year in the ING App and in My ING. Find out here how it works."},"mainHeaderZone":{"componentType":"productHeader","cta":{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/products","text":"Postpone your payment"}},"coreHeader":{"body":"A costly month or an unexpected financial setback? We understand this can happen. Repaying your loan may not always be easy. That’s why we offer the option to postpone one monthly payment per calendar year. We hope this helps to ease your mind about your finances.","headerImage":{"transformBaseUrl":"https://assets.ing.com/transform/3cbb6f4f-9e34-4ea6-b62b-9d98c6131584/Two-colleagues-check-their-mobile-phones-while-seated-in-employee-lounge-in-office-setting","type":"image","width":4444,"altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/4cbf5a4bf2d22c49/original/Two-colleagues-check-their-mobile-phones-while-seated-in-employee-lounge-in-office-setting.jpg","extension":"jpg"},"title":"Postpone your loan payment","subtitle":"Because sometimes it’s more convenient"},"backLink":{"textLink":{"url":"/en/personal/loans/use-my-loan/more-about-ing-overdraft","text":"More about ING overdraft"}}},"flexZone":{"flexComponents":[{"componentType":"sectionTitle","title":"How it works"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>It’s good to know what happens when you postpone one monthly payment:</span></span></span></p><ul><li><span><span><span><span>We do not debit the next installment from your account.</span></span></span></span></li><li><span><span><span><span>The interest you would pay this month is added to your outstanding balance.</span></span></span></span></li><li><span><span><span><span>The term of your loan becomes longer, and the total cost increases.</span></span></span></span></li></ul><p><span><span><span>You will see the higher total cost before you confirm the postponement.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Do I qualify?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>We want you to borrow responsibly. These conditions apply:</span></span></span></p><ul><li><span><span><span><span>Only possible for a personal loan, revolving credit, or Voordeelkrediet.</span></span></span></span></li><li><span><span><span><span>You have no payment arrears or block on your loan.</span></span></span></span></li><li><span><span><span><span>Your outstanding balance is not too high (less than 99% of your loan amount).</span></span></span></span></li><li><span><span><span><span>You have not postponed a payment earlier in the same calendar year.</span></span></span></span></li></ul>"}},{"componentType":"sectionTitle","title":"How to request postponement?"},{"componentType":"paragraph","richBody":{"value":"<p><span><span><span>You can only postpone a monthly payment in the ING App or My ING:</span></span></span></p><ul><li><span><span><span><span>Log in to My ING or the ING App and click on your loan.</span></span></span></span></li><li><span><span><span><span>Click ‘Manage’, then ‘Skip next payment’.</span></span></span></span></li><li><span><span><span><span>You will see which month you are postponing and what the extra costs are.</span></span></span></span></li></ul><p><span><span><span>After your confirmation, we arrange it immediately.</span></span></span></p>"}},{"componentType":"sectionTitle","title":"Frequently asked questions"},{"componentType":"accordion","accordionList":[{"title":"I expect I can’t pay my personal loan after I postpone a repayment. How can ING help me?","richBody":{"value":"<p><span><span><span>We want to make sure your loan does not cause problems. If you contact us, we can review your financial situation together and find a suitable solution. We are happy to explain how this works.</span></span></span></p>"},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/hulp-bij-betalingsproblemen","text":"Read more"}]},{"title":"I don’t make us of My ING or the ING App. Can I postpone my monthly payment","richBody":{"value":"<p><span><span><span>No, unfortunately. Postponing a monthly payment can only be requested digitally. Want to start internet banking? <a data-type=\"internal\" href=\"/en/personal/digital-banking/apply\">Request My ING</a> in just 2 minutes. Keep your debit card and mobile phone number ready. </span></span></span></p>"}},{"title":"How much do I pay extra when I postpone a monthly payment?","richBody":{"value":"<p><span><span><span>When you postpone a monthly payment, the interest for that month is added to your outstanding balance. This makes the term longer and the total cost higher. How much higher depends on your outstanding balance and interest rate. We show you the extra cost during the application.</span></span></span></p>"}},{"title":"What monthly instalment will not be debited when I request a postponement request today?","richBody":{"value":"<p><span><span><span>The monthly instalment is automatically debited. If you start the process in My ING or the ING App, you immediately see which month you are postponing.<span> </span></span></span></span></p>"}}]},{"componentType":"cta","textLink":{"url":"https://mijn.ing.nl/banking/products","text":"Postpone your monthly payment"}},{"componentType":"linkList","iconTitle":{"title":"Useful information"},"textLinks":[{"url":"/particulier/lenen/informatie-over-lenen/hulp-bij-betalingsproblemen","text":"Support with payment difficulties"},{"url":"/en/personal/loans/information-about-borrowing/bkr","text":"Credit Registration Bureau (BKR) and your loan"}]},{"componentType":"linkList","iconTitle":{"title":"Loans"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"What does borrowing cost?"},{"url":"/en/personal/loans/how-much-money-can-i-borrow","text":"How much can I borrow?"},{"url":"https://mijn.ing.nl/banking/loans/personal-loan-apply","text":"Apply for a loan"},{"url":"/en/personal/loans/rates","text":"Current interest rates"}]}]}}}