Do you already know how much you need? Use the loan calculator to work out your monthly payments and total costs for a personal loan. Want to borrow money for a bike? Then apply for a personal loan in My ING or through your ING App. Enter the desired loan amount, the term, your net income, and the other information we need from you. We will check your application immediately with the Credit Registration Office (BKR) to make sure the loan amount is responsible. If everything is approved, you will receive an offer right away.
"},"textLinks":[{"url":"/en/personal/loans/what-does-borrowing-cost","text":"Calculate what borrowing costs"},{"url":"/en/personal/loans/our-loans/personal-loan","text":"Apply for a personal loan"}]},{"componentType":"sectionTitle","title":"Conditions"},{"componentType":"paragraph","richBody":{"value":"Voorwaarden Persoonlijke Lening (PDF)
Terms & Conditions Persoonlijke Lening (PDF)
"}},{"componentType":"sectionTitle","title":"Why I borrow from ING"},{"componentType":"productFeatures","image":{"transformBaseUrl":"https://assets.ing.com/transform/f3ff596a-919c-4819-b54b-5b7090811f2b/direct-debit-1920","type":"image","width":1920,"original":"https://assets.ing.com/m/6f5f3c711bd911a0/original/direct-debit-1920.jpg","extension":"jpg"},"highlighted":false,"items":[{"body":"Borrowing should be responsible. That’s why we carry out careful checks to determine whether you can borrow and how much.","title":"Borrow with peace of mind"},{"body":"We want to prevent your loan from becoming a problem, for example by offering a payment break.","title":"Support when things go wrong"},{"body":"You can always make extra repayments at any time, free of charge.","title":"Good conditions"}]},{"componentType":"sectionTitle","title":"What does a personal loan for a bicycle cost?"},{"componentType":"paragraph","richBody":{"value":"A personal loan has a fixed interest rate. This means your interest rate will not change during the loan term. The interest rate is annual. The cost of a personal loan depends on the amount you borrow, the loan term you choose, and the interest rate. We determine this interest rate based on your personal situation. Discover how we determine the interest rate.
Below, you’ll find the highest and lowest interest rates. Want to know exactly what you would pay at ING for a personal loan? Then request an offer. To determine your risk profile and the corresponding interest rate, we need more information from you.
"},"textLinks":[{"url":"/en/personal/loans/information-about-borrowing/interest-rate-of-a-personal-loan","text":"More about your interest and risk profile"}]},{"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.
You can use the loan amount to finance part of your purchase or to fully pay for your electric bike or road bike. It doesn’t matter whether you want to finance a new, second‑hand, or electric bike with a personal loan. You can use the borrowed amount in the way that suits your needs.
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