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Personal Loans

ING Personal Loans

Get my rate & apply

From

% p.a.

Fixed rate

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% p.a.

From

% p.a.

To

% p.a.

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

Life is full of surprises, and knowing what's around the corner is important when it comes to your money. A personal loan from ING has a low personalised fixed interest rate, no ongoing fees and no early repayment fees just what you'd expect from Australia's most recommended bank.

Features

Why apply for an ING Personal Loan?

  • Personalised fixed interest rate

    Get your low personalised fixed interest rate of from % p.a. to % p.a., depending on your credit score (comparison rate % p.a. to % p.a.). You can budget with confidence. No surprises.

  • Pay no ongoing fees

    Keep things simple and money in your pocket with no monthly or annual fees. Establishment fee applies if you don't have an Orange Everyday account.

  • Pay it off faster, no problem

    Flexibility to make extra repayments whenever you like. Want to pay off early? No early repayment fees if you pay the loan ahead of time.

  • Combine and save

    We'll waive the $100 establishment fee on your loan if you have an active Orange Everyday account at the time of your loan application. Don't have an Orange Everyday? You can open one with your ING Personal Loan and save the fee.

  • 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 $60,000

    Loan terms of 2-7 years with fortnightly or monthly repayments. Loan terms of 6 or 7 years are only available for loan amounts exceeding $30,000.

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

Get your personalised interest rate based on your Equifax credit score

ING uses Equifax (a credit reporting body) to view your credit score without affecting it. Based on your credit score, we will give you a personalised interest rate.

Think that you know what your credit score is? Get an estimate of your potential personalised rate and repayments.

Loan amount (Min $5,000, Max $60,000)

ING offers personal loans between $5,000 and $60,000

Loan term (Min 2 years, Up to 7 years)

Oops, 6 and 7 year repayment terms are only available for loans over $30,000.

Loan term should be between 2 and years

Estimate your credit rating Info Icon

Payment Frequency

Estimated repayments

$ 0

In the next step we will collect some personal details to check your credit score and give you your personalised rate. From here you can decide if you want to continue with your application.

Get my rate & apply

Important: This result is an estimate only and is based on the information you have entered, and is not an offer of credit. Your actual rate and repayment amount may be different. Any application for credit is subject to ING's credit approval criteria, as well as minimum and maximum loan amounts.

Rates, fees and limits

Rates, fees and limits

Personal Loan ins and outs made plain and simple.

Interest rates
  • Fixed interest rate
    from % p.a. to % p.a.
    These rates apply in relation to applications received on or after 14 July 2021. For applications made prior to this date, please refer to the rate set out in your loan documents.
  • Comparison rate
    from % p.a. to % p.a.
    These rates apply in relation to applications received on or after 14 July 2021. For applications made prior to this date, please refer to the rate set out in your loan documents.
  • Establishment fee
    $100
    (We'll waive the $100 Personal Loan establishment fee if you have an active Orange Everyday account at the time of your loan application or when you ask us to open an Orange Everyday account with your ING Personal Loan.)
  • Monthly fee
    $0
  • Late payment fee
    $20
  • Early repayment fee
    $0
  • Interim statement fee
    $7 per statement
  • Minimum loan amount
    $5,000
  • Maximum loan amount
    $60,000
  • Available terms
    For loan amounts up to and including $30,000: 2 to 5 years For loan amounts higher than $30,000: 2 to 7 years

Terms & conditions

All the detail to help you make an informed decision.

It only takes about 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 about 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 about 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 $60,000, all you have to do is:

1. Apply

It only takes about 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.

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

Be aged 18+ and have a valid proof of ID – driver’s licence, passport or Medicare

Earn $36,000 or more a year (before tax) with PAYG payslips as your primary source of income

Be an Australian citizen, New Zealand citizen, or a permanent resident of Australia

Maintain an Australian residential address

Have a good credit rating and meet our credit lending guidelines

ING Personal Loans are currently not available to Self-employed, Contractor and Casually employed applicants.

You should have the following supporting documents handy so we can assess your application faster. Examples of supporting documents can include:

PAYG payslips

Proof of super income

Bank statements

Tax returns

Here's a detailed guide on what supporting documents to provide.
It only takes about 20 minutes to complete our online application form.
Work out how much you might be able to borrow.