A holiday loan is a personal loan intended to finance a trip. It allows you to borrow money to go on holiday. You repay the loan over a set period, with interest.
"}},{"componentType":"sectionTitle","title":"What can you finance with a holiday loan?"},{"componentType":"paragraph","richBody":{"value":"A travel loan can cover all the costs of your holiday: transport, hotel, meals, excursions and even any vaccinations you may need.
"}},{"componentType":"paragraph","richBody":{"value":"Wedding trip
Organising a wedding is a marathon. The honeymoon offers you the romantic getaway you deserve, in the sole company of your other half. Use the holiday loan to help finance your honeymoon.
A wedding loan can be taken out to cover all the expenses involved in organising your wedding (wedding planner, hire of the reception venue, caterer, etc.).
A round-the-world trip
Some start after finishing their studies, others when they retire. Whatever your age, a round-the-world trip is the ultimate adventure for many people. A travel loan makes this legendary journey possible at last (within the limits of your borrowing capacity, of course)!
Family holidays
The children are growing up and you want to share precious moments with them. Now might be a good time to take out a loan to go on holiday. With this loan, you'll finally be able to afford that road-trip you've been dreaming of, that long-awaited visit to the country of your dreams, or simply that all-inclusive week at the beach to recharge your batteries.
Career break
After a change of life or career, travelling is a unique opportunity to take stock, find yourself and bounce back better.
Volunteering abroad
Whether your age, taking a trip with a humanitarian, social or ecological organisation will change your outlook on the world. You’ll come back transformed!
End-of-study trip
Finance your child's gap year so they make the transition from student to working life as smoothly as possible!
To make your travel dreams come true without having to put money aside for years on end.
"}},{"componentType":"sectionTitle","title":"Apply for your holiday loan"},{"componentType":"applicationProcess","steps":{"stepList":[{"body":"Create your profile, or skip this step if already done.","title":"Download the ING app"},{"body":"Log in and start your loan request. Confirm your personal details, tailor your loan and find out — with no obligation — whether you’re eligible¹.","title":"Request your no-obligation offer"},{"body":"Sign your offer online and receive the money on your account, usually within 2 days (prior to this, supporting documents may still be requested).","title":"Sign your offer online and receive your money"}]}},{"componentType":"paragraph","richBody":{"value":"² During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Sat: 4 am – 11.30 pm. – Sun: 12 pm. – 11.30 pm).
"}},{"componentType":"cta","textLink":{"text":"Log in to receive your personal offer","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},{"componentType":"cta","textLink":{"text":"Not a customer yet? Get started","url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}},{"componentType":"sectionTitle","title":"Representative and illustrative simulation"},{"componentType":"paragraph","richBody":{"value":"Representative example for an ING Personal Loan (instalment loan for private purposes)
Rate valid on 13/05/2026, subject to change with notice prior to conclusion of the agreement.
With an instalment loan for private use of 6,500 euros over 36 months with an annual percentage rate and a fixed debit interest rate of 7.69%, you‘ll pay 201.98 euros per month, totaling 7,271.28 euros.
* Your interest rate depends on your customer profile, the amount borrowed, and the term of the loan. 26% of customers receive an interest rate equal or below the one shown in this advertising. You will receive a customized proposal during your application, which is based on a set of factors including, but not limited to your risk profile and other preliminary checks. The legal maximum interest rate is set at 12%
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"accordionList":[{"richBody":{"value":"A holiday loan is a personal loan. Taking out a loan to go on holiday helps you fulfil your dreams. This instalment loan for private purposes is subject to current consumer credit legislation.
"},"title":"What is a holiday loan?"},{"richBody":{"value":"The conditions for taking out a personal loan are that the loan must have a private purpose that falls within the category of a holiday loan (see the various purposes mentioned above), that the borrower must be a natural person and be at least 18 years old, and that he or she must have the necessary repayment capacity for the loan.
"},"title":"Who can take out a holiday loan?"},{"richBody":{"value":"This personal loan is available from €1,300.
"},"title":"How much can I borrow with a travel loan?"},{"richBody":{"value":"The term of a personal loan for a holiday (leisure) varies from 6 to 84 months. The exact term depends on the amount of the loan and your repayment capacity.
"},"title":"What is the repayment period for a holiday loan?"},{"richBody":{"value":"The interest rate on your holiday loan is calculated according to your customer profile, the amount of the loan and its term. The Annual Percentage Rate (APR) is the total cost of your credit on an annual basis. It includes interest and any credit charges.
View consumer credit rates (PDF)
"},"title":"What is the interest rate on a travel loan?"},{"richBody":{"value":"
Since a holiday loan is a personal loan, it is not necessary to submit estimates or invoices to justify the amount of the loan requested if the sum is less than €50,000
"},"title":"Do I need proof to justify the purpose of a holiday loan?"},{"richBody":{"value":"You start repaying your holiday loan the month after the money is paid into your current account.
"},"title":"When do I have to start repaying the loan?"},{"richBody":{"value":"The sum borrowed is paid into your current account as soon as the bank receives your signed contract and any supporting documents required to prove your income.
"},"title":"When does the money from my holiday loan arrive in my account?"}],"componentType":"accordion"},{"componentType":"sectionTitle","title":"Services and advice"},{"cards":[{"cardSize":"small","cardType":"service","componentType":"serviceCard","image":{"altTextDE":"\"\"","altTextEN":"\"\"","altTextFR":"\"\"","altTextNL":"\"\"","extension":"png","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267},"intro":"Consult your lending overview via Home'Bank.","link":{"url":"https://ebanking.ing.be/banking/overview"},"title":"View all your loans in one place?"}],"componentType":"cards"},{"componentType":"sectionTitle","title":"Also consider!"},{"cards":[{"body":"Need to finance a specific project? Has an unexpected expense come up? Find out all the practical information you need to find your way around.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-10-26","image":{"extension":"jpg","original":"https://assets.ing.com/m/26434f54859a18f6/original/Top-view-of-a-mother-on-a-red-couch-working-from-home-while-her-young-daughter-is-watching-a-tablet-screen.jpg","transformBaseUrl":"https://assets.ing.com/transform/7edeceec-b9bf-44cf-9917-a265895f8b43/Top-view-of-a-mother-on-a-red-couch-working-from-home-while-her-young-daughter-is-watching-a-tablet-screen","type":"image","width":6720},"link":{"url":"/en/individuals/borrowing/guide-to-personal-loans"},"title":"Guide to personal loans"},{"body":"Why not finance your wedding with an ING Wedding Loan? Find out all the conditions for applying in this article.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-11-03","image":{"altTextDE":"\"","altTextEN":"\"","altTextFR":"\"","altTextNL":"\"","extension":"jpg","original":"https://assets.ing.com/m/7a1820df9e9a20b9/original/Newlywed-couple-outside-church.jpg","transformBaseUrl":"https://assets.ing.com/transform/c466490d-4f55-4a84-a8aa-a05a62d97552/Newlywed-couple-outside-church","type":"image","width":4858},"link":{"url":"/en/individuals/borrowing/wedding-loan"},"title":"Wedding Loan"},{"body":"Find out about the essential criteria for obtaining a personal loan in Belgium","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2024-01-12","image":{"altTextFR":"Garçon assis à table faisant ses devoirs","altTextNL":"Jongen zit op tafel huiswerk te maken","extension":"jpg","original":"https://assets.ing.com/m/565a8a28bc1d95d3/original/Boy-sitting-on-table-doing-homework.jpg","transformBaseUrl":"https://assets.ing.com/transform/b594480b-d2c7-4db0-bfae-6cdb14dcbe4a/Boy-sitting-on-table-doing-homework","type":"image","width":6000},"link":{"url":"/en/individuals/borrowing/how-to-get-personal-loan"},"title":"How to get a personal loan in Belgium?"},{"body":"Taking out ING travel insurance means insuring your luggage and your peace of mind so you can make the most of every minute.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2024-01-29","image":{"extension":"jpg","original":"https://assets.ing.com/m/6f86771bdd841d6e/original/Group-of-people-waiting-at-the-check-in-counter.jpg","transformBaseUrl":"https://assets.ing.com/transform/3ccb81d3-8593-4b66-b96b-0cb416b9fd6f/Group-of-people-waiting-at-the-check-in-counter","type":"image","width":5700},"link":{"url":"/en/individuals/insurance/luggage-insurance"},"title":"Insuring your luggage"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"jpg","original":"https://assets.ing.com/m/847b64335c2eeb/original/go-abroad-risks-1920.jpg","transformBaseUrl":"https://assets.ing.com/transform/5033530a-0c29-4b07-84a4-dba331f49c8b/go-abroad-risks-1920","type":"image","width":1920},"intro":"ING Yearly Travel Insurance, insured by Inter Partner Assistance NV.","link":{"url":"/en/individuals/insurance/travel-insurance"},"title":"Yearly Travel Insurance"},{"body":"Make the most of your winter sports holiday and hit the slopes with peace of mind, thanks to the skiing assistance coverage which is systematically included in your travel insurance.","cardSize":"medium","cardType":"article","componentType":"articleCard","date":"2023-12-14","image":{"extension":"jpg","original":"https://assets.ing.com/m/756c2fa35d0e1470/original/Empty-road-amidst-trees-during-winter.jpg","transformBaseUrl":"https://assets.ing.com/transform/d303906e-3a98-4e2b-8b4a-415c466340a5/Empty-road-amidst-trees-during-winter","type":"image","width":5197},"link":{"url":"/en/individuals/insurance/skiing-assistance"},"title":"Skiing assistance"}],"componentType":"cards"}]},"hasMacro":false,"id":"02359cf3-ce9d-46ba-8941-a90cef763ee0","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"*Cashback related information
To be eligible for cashback, the credit application for a Personal loan must be submitted digitally via the ING Banking app or Home’Bank or an ING Branch, from the 15th of June and before midnight on the 26th of July 2026 (inclusive), subject to acceptance of your file by ING Belgium, between the 15th of June and the 5th of August 2026.
The cashback will only be admitted to loans with the amount as from 2,500 euros. The cashback of 25 euros is automatically paid into the customer's current account linked to the Instalment loan, within 1 month after the first 3 monthly payments and provided that there are no payment arrears. Cashback is not taken into account when calculating the APR. The cashback is limited to one per loan contract (regardless of the number of co-borrowers) within the campaign period. Cashback reserved for recipients of this ad.
"}},{"componentType":"paragraph","richBody":{"value":"The amount that you are likely to be able to borrow, as stated in the advertising message, is communicated for information purposes only. Neither the granting of the loan nor the aforementioned amount are guaranteed by ING Belgium. To determine the amount thus simulated, we took into account a set of data currently known to ING, in particular: your financial situation (i.e. your income and any extra-legal benefits as well as your expenses on your ING accounts as well as your savings, loans and investments with ING), your personal and family situation known to ING (in particular, your age, your personal status, your dependents) and the fact of exercise an independent activity. On the other hand, it is not required to provide the following information (which will be requested and/or verified in the event of a credit application on your part), in particular: your professional situation, the type of residence you occupy, other expenses or income not known to ING or futures, your savings and investments with ING, as well as credit data with third parties consulted with the National Bank of Belgium.
This advertising message, which concerns an installment loan for private purposes subject to consumer credit legislation, does not constitute an offer of credit. It is intended exclusively for natural persons of legal age and any request for credit is made subject to prior acceptance of your file by ING Belgium and mutual agreement. The general conditions and rates for this loan are available from all ING branches and can be consulted on www.ing.be (section 'Rates and regulations'). Your request and the possible approval of your request by ING (after examination of your file by ING) in a branch or through the 'Consumer Loans Online' service on www.ing.be, do not commit either ING or yourself, as long as you have not signed a credit agreement at your ING branch or, in the case of an online request, as long as you have not returned the signed credit agreement (after prior approval of your file by ING) to ING, where it is checked beforehand whether the data provided in the request are accurate and complete (among other things, on the basis of the documents submitted or to be submitted).
Legal information related to the loan provider
Lender: ING Belgium SA/NV – Bank – Marnixlaan 24, B-1000 Brussels – RPR Brussels – VAT: BE 0403.200.393 – BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
"},"title":"Legal information related to advertising on this product"}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"extension":"jpg","original":"https://assets.ing.com/m/76c179b47be768d6/original/plan-your-travel.jpg","transformBaseUrl":"https://assets.ing.com/transform/17389c7f-6e9d-4813-bd0d-da3d7674772c/plan-your-travel","type":"image","width":799},"subtitle":"Opportunities to travel abound at any time in your life. With a holiday loan, you can plan the trip of your dreams in complete peace of mind!","title":"Holiday loan"},"cta":{"componentType":"cta","textLink":{"text":"Customer? Log, in, calculate and apply","url":"https://ebanking.ing.be/banking/mobile/products/580/open?EW=true"}},"legalBanner":{"body":"Caution, borrowing money also costs money.","componentStyle":"alternativeVariantLarge","headerBannerType":"headerBannerType"},"secondaryCta":{"textLink":{"text":"Not yet a customer? Calculate and apply","url":"https://www.ing.be/fr/particuliers/emprunter/simulation-de-pret?purpose=leisure"}},"usps":[{"body":"Also for non ING customers","icon":{"extension":"png","original":"https://assets.ing.com/asset/2b80698d-5fb8-426c-be10-044000efeefe/Avatar_large_filled-rectangle.png","transformBaseUrl":"https://assets.ing.com/transform/2b80698d-5fb8-426c-be10-044000efeefe/Avatar_large_filled-rectangle","type":"image","width":1200}},{"body":"As of 7,69% APR*"},{"body":"No invoices or receipts required < €50.000"}]},"publishDate":"2026-06-23T17:12:52.513+02:00"}}