Personal Loans By ING: Apply For A Loan Online

The landscape of personal loan lending has changed significantly. Today, you can manage the entire process online. The ING Personal Loan is a fixed rate product, which means your regular repayments stay the same for the life of the loan. That consistency makes it straightforward to plan around in your household budget.

An ING Personal Loan offers fixed repayments, personalised interest rates based on your credit profile, and no early repayment fee, giving you the flexibility to pay off your loan sooner. As Australia's most recommended bank (RFI Global Consumer Atlas Survey, December 2025), ING aims to make borrowing simple, transparent and easy to manage.

When comparing personal loan interest rates, always check the comparison rate alongside the advertised interest rate. The comparison rate is there to give you a clearer picture of the true cost of the loan. For the ING Personal Loan, it is calculated using a standard example of $30,000 over 5 years. Different loan amounts and terms will result in different comparison rates. And remember it may not include all fees, such as late payment fees.

Before you start your application, check your eligibility for a personal loan with ING. The criteria are straightforward:

You can apply for a personal loan online directly through ING's website. The process is designed to be as straightforward as possible and takes around 20 minutes to complete. You can apply from your phone, tablet, or desktop.

Before you start, have the following ready:

Once you submit your application, ING will keep you updated via email and SMS throughout the assessment process. If you are an existing ING customer with an Orange Everyday account and your application is approved, the funds may be available in your account on the same day you accept your loan contract online.

All applications are subject to ING’s credit assessment and responsible lending obligations. Approval depends on your financial situation and ability to meet repayments

Applying for a personal loan online removes the need to visit a branch or book an appointment. You can complete the entire application at a time that suits you, and the process is largely digital for most applicants.

For those comparing online personal loans in Australia, it is worth knowing that the Australian banking sector is highly regulated. As a consumer, you are protected by strict credit laws that require lenders to assess whether a loan is not unsuitable for your circumstances before approving it. This means no responsible lender can offer instant, unconditional approval without a proper assessment.