The cost of your loan depends on several factors: the purpose and amount of the loan and the repayment term. You can use the loan calculator above to find out how much interest you’d pay on your loan and what your monthly payment would be.
"}},{"componentType":"sectionTitle","title":"What does a personal loan cost?"},{"componentType":"paragraph","richBody":{"value":"The cost of a personal loan depends on how much you borrow, the loan term and the interest rate. Get a cost estimate for your situation.
Minimum and maximum cost if you choose us
The maximum cost (the highest interest rates) and the minimum cost (the lowest interest rates) of a personal loan are given below. Request a free quote 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.
Important: want to borrow for a car or renovation? Or for a camper, caravan, motorcycle or boat? Other interest rates apply.
"}},{"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, 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.
Get a rough estimate of what you’d pay per month for a personal loan from ING.
"}},{"componentType":"applicationProcess","steps":{"stepList":[{"title":"Choose what you want to finance","body":"Maybe you want to borrow money for a car, a renovation or something else – there are many possibilities. Depending on what you’re borrowing for, the interest rates may vary."},{"title":"Choose how much you want to borrow","body":"The amount you choose will influence your monthly repayment."},{"title":"Choose the term of your loan ","body":"The loan term also influences the interest rate and, consequently, how much you’ll pay for your loan every month."}]}},{"componentType":"sectionTitle","title":"From calculating a loan to taking out a loan"},{"componentType":"paragraph","richBody":{"value":"Taking out a loan should feel reassuring. After entering your loan purpose, amount, and term, the calculator will show you the monthly payments. Want to know exactly how much you can borrow and what the monthly payments will be? Then request a quote via the app or Mijn ING.
Quote approved? Digitally sign your quote and submit the requested documents. We’ll review your application within 2 working days after receiving the required documents.
"}},{"componentType":"sectionTitle","title":"What do you want to borrow money for?"},{"componentType":"paragraph","richBody":{"value":"Do you want to borrow for a car or renovation? Or for a camper, caravan, motorcycle, or boat? Different interest rates apply to these.
"}},{"componentType":"cards","cards":[{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Car loan","intro":"Used or new car, at ING you can easily apply for a car loan.","image":{"transformBaseUrl":"https://assets.ing.com/transform/8b9299a6-6452-4ecf-8cb1-17ba7a22620f/icon_035","type":"image","width":288,"original":"https://assets.ing.com/m/7ca235a847a9c694/original/icon_035.png","extension":"png"},"link":{"url":"/en/personal/loans/your-goals/car-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Renovation loan","intro":"New kitchen, more living space, or making you home more sustainable?","image":{"transformBaseUrl":"https://assets.ing.com/transform/3b2f7398-04d1-4519-a184-f504544ede67/Homepage-Illustrations","type":"image","width":0,"altTextNL":"Illustratie van huis","original":"https://assets.ing.com/m/656ac88e000fea4/original/Homepage-Illustrations.svg","extension":"svg"},"link":{"url":"/en/personal/loans/your-goals/finance-renovation"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Electric car loan","intro":"Lower interest rate for 100% electric cars.","image":{"transformBaseUrl":"https://assets.ing.com/transform/eb25f316-8814-4f14-a655-62a2ac9d914e/2-RichIcons-Traffic-Electric-car-00","type":"image","width":191,"altTextEN":"\"\"","altTextNL":"\"\"","original":"https://assets.ing.com/m/50be7cc812a1bbcd/original/2-RichIcons-Traffic-Electric-car-00.svg","extension":"svg"},"link":{"url":"/en/personal/loans/your-goals/financing-an-electric-car"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Other loan purpose (in Dutch)?","intro":"Do you want to borrow money for a motorcycle, caravan or something else?","image":{"transformBaseUrl":"https://assets.ing.com/transform/473d99b1-d9fc-4274-bfaf-be682c20a732/Safe_money","type":"image","width":160,"original":"https://assets.ing.com/m/dad4f1f98460a13/original/Safe_money.svg","extension":"svg"},"link":{"url":"/particulier/lenen/jouw-leendoel"}}]},{"componentType":"sectionTitle","title":"Frequently asked questions about how loans are calculated"},{"componentType":"accordion","accordionList":[{"title":"How much can I borrow?","richBody":{"value":"For a personal loan, you can choose to borrow anything between €2,500 and €75,000.
"}},{"title":"What does a loan cost?","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. Request a free quote 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 are the requirements for a loan?","richBody":{"value":"You're between 18 and 70 years old.
You've held an ING current account for at least four months and live in the Netherlands.
You have enough income to make the repayments. You cannot apply for a loan if you receive a social assistance or unemployment benefit.
Personal loan terms and conditions (in Dutch)
"}},{"title":"What can I borrow money for?","richBody":{"value":"You can borrow money to buy a car, for a renovation or making energy-efficient improvements to your home or for something else. There are many possibilities. Discover all loan goals here.
"}},{"title":"Do I need an ING current account to take out a Personal Loan?","richBody":{"value":"To take out a Personal Loan, you need an ING current account that was opened at least 3 months ago.
"}}]},{"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"}]}]}}}