Already know the amount you need? Use the loan guide to calculate your monthly costs and the total cost of a personal loan. Ready to borrow money for a scooter? Apply for a personal loan in Mijn ING or through the ING App. Enter the loan amount you want, the term, your net income and the other information we need. We check your application directly with the Credit Registration Office (BKR). This helps us make sure the amount is responsible for your situation. If everything is approved, you receive an offer right away.
"}},{"componentType":"sectionTitle","title":"Voorwaarden"},{"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.
Yes. You can use the loan amount to cover part of your purchase or the full cost. It doesn’t matter whether your scooter is new, second-hand, or electric—the loan is flexible and can be used as you need.
"}},{"componentType":"sectionTitle","title":"Good to know"},{"componentType":"paragraph","richBody":{"value":"