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Personal loan borrowing power calculator

The amount you may be able to borrow is determined by your financial situation. This is largely made up of your income, your financial commitments, current savings and your credit history. You'll also need to consider your spending habits and any existing commitments such as personal or car loans, credit card debt, even travel expenses. Calculate your borrowing capacity using ING's personal loan borrowing power calculator.


About you



Your income

Gross monthly salary:

Other monthly income:


Your monthly expenses

Living expenses:

Rent / Mortgage repayments:

Total other loan repayments:

Total credit card limit:

Debt consolidation (if applicable)

Other loan limit
to consolidate:

Credit card limit
to consolidate:

About loan

Estimate your
credit rating:

Comparison rate: % p.a.

Loan term:

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

Estimated borrowing power


(rounded down to nearest $500)

Maximum Loan amount for Casual and Contractor Employees is $30,000

Sorry, we're unable to consider a loan application based on the details entered.

Estimated monthly repayments


(based on estimated borrowing power)

Fixed interest rate: -% p.a.

Comparison rate: -% p.a. (Warning.)

Sorry, we're unable to consider a loan application based on the details entered.

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.

See how much your repayments could be with ING Personal Loan.
It only takes about 20 minutes to complete our online application form.
Loan Types

Our personal loan options

An ING Personal Loan could help you to get the keys to those wheels, get started on your home renovation or jumping on that plane sooner. Explore all of the ways an ING Personal Loan could help you do your thing below.

Loan for car

Desperately need a new or second set of wheels? An ING Personal Loan could be the perfect way to get there.

Learn more

Loan for debt consolidation

Find out all the ways an ING Personal Loan is right for you and getting your finances sorted.

Learn more

Loan for home renovations

Been dreaming of a renovation? Now is the perfect time to explore how an ING Personal Loan could help you with your home renovation.

Learn more

Loan for travel

Travel bug got you? See all the ways an ING Personal Loan could help you tick off those bucket list destinations sooner.

Learn more

Loan for a wedding

Have your cake and eat it too with a low personalised fixed interest rate. Say 'I do' to an ING Personal Loan for your dream wedding.

Learn more