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Personal Loans

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  2. Personal Loans

ING Personal Loans

Roll your debts into one with an ING Personal Loan.

Check your borrowing power

ING Personal Loan

8.99

p.a.%

Fixed Rate

9.13

p.a.%

ING Personal Loan

8.99

p.a.%

Fixed Rate

9.13

p.a.%

ING Personal Loan

8.99

p.a.%

Fixed Rate

9.13

p.a.%

Show your debts who's boss with no ongoing fees.

Roll your debts into a low rate ING Personal Loan and pay no ongoing or early repayment fees. And just % p.a. fixed (% p.a. comparison rate). Nicely done, eh?

8.99

p.a.%

Fixed Rate

9.13

p.a.%
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 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.

  • 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.

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

Your personal loan resources kit

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

Tips, hints and guides

Forms

Calculators

Tips, hints and guides

Your guide to taking control of debt

Be clear about fees on your personal loan

Save by making additional repayments

 View all

Forms

Terms and Conditions

Credit Guide

 View all

Calculators

Personal loan borrowing power calculator

Personal loan repayments calculator

 View all
It only takes 20 minutes to complete our online application form.
Apply now
Work out how much you might be able to borrow.
Start now
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:

See all personal loans FAQs.

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.
Apply now
Work out how much you might be able to borrow.
Start now
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 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 20 minutes to complete our online application form.
Apply now
Work out how much you might be able to borrow.
Start now