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Personal Loans

ING Personal Loan

Low fixed rate of 8.99% p.a.
(comparison rate 9.13% p.a.)

Apply now

Life is full of surprises. An ING Personal Loan isn't.

Low fixed rate of % p.a. (comparison rate % p.a.), no ongoing monthly or annual fees, and no early repayment fees.

Features

Why apply for an ING Personal Loan?

  • Fixed interest rate

    Get a low fixed interest rate of % p.a. (comparison rate % p.a.). You can budget with confidence. No surprises.

  • Pay no ongoing fees

    Keep things simple with no monthly or annual fees. Establishment fee may apply.

  • Pay it off faster, no problem

    Flexibility to make extra repayments without charge. You won’t be hit with early repayment fees if you pay the loan off early.

  • Combine and save

    We'll waive the $100 personal loan establishment fee when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account with your ING Personal Loan to receive loan funds.

  • Same day funds

    If you are an existing ING customer, the money can be received into your Orange Everyday on the same day as you accept your loan offer.

  • Loans from $5,000 to $30,000

    Choice of 2, 3, 4 or 5 year loan terms with fortnightly or monthly repayments.

It only takes 20 minutes to complete our online application form.
Work out how much you might be able to borrow.
Rates, fees and limits

Rates, fees and limits

Personal Loan ins and outs made plain and simple.

Interest rates
  • Fixed interest rate
    % p.a.
  • Comparison rate
    % p.a.
  • Establishment fee
    $100
    (We'll waive the $100 personal loan establishment fee when you have an active Orange Everyday at the time of application or request to open an Orange Everyday account with your ING Personal Loan to receive loan funds.)
  • Monthly fee
    $0
  • Late payment fee
    $20
  • Early repayment fee
    $0
  • Minimum loan amount
    $5,000
  • Maximum loan amount
    $30,000
  • Term
    2 to 5 years

Terms & conditions

All the detail to help you make an informed decision.

It only takes 20 minutes to complete our online application form.
Work out how much you might be able to borrow.
Tools and calculators

Your personal loan resources kit

In planning mode? We've got some tips and calculators to help you.

It only takes 20 minutes to complete our online application form.
Work out how much you might be able to borrow.
FAQs

Got a question about the ING Personal Loan?

Chances are, you'll find the answer in our FAQs.

Here are some of the more common questions we get asked:

We've made our mobile banking app so easy to use, you won't even have to think. Try it now and change the way you bank.

It only takes 20 minutes to complete our online application form.
Work out how much you might be able to borrow.
How to get started

Ready for ING Personal Loan?

If you want to borrow between $5,000 and $30,000, all you have to do is:

1. Apply

It only takes 20 minutes to complete our online application form.

2. Accept the contract

While we work through your application, we'll keep you in the loop via email and SMS. If approved, you then review and accept your contract online.

3. Get paid, same day

Receive the money on the same day you accept your loan offer if you're an existing customer, and elect for the money to be transferred to your Orange Everyday account.

To be eligible to apply for an ING Personal Loan, you must:

Be aged 18+

Be an Australian citizen with an Australian residential address, or permanent resident with an Australian residential address

Be employed and earn $36,000 or more a year before tax

Have a good credit rating and meet our credit lending guidelines

Have PAYG payslips

It only takes 20 minutes to complete our online application form.
Work out how much you might be able to borrow.