There are certain conditions you need to meet to be eligible for a personal loan:
The amounts shown in the simulation are for information purposes only. An application for a personal loan is always assessed on a case-by-case basis to define your repayment capacity and the exact terms of your loan: the amount, monthly repayments and the interest rate, the APR (the annual percentage rate, which represents the total cost of your loan per year, including interest and any charges) and the purpose of the loan.
To determine how much you can borrow with a personal loan, your bank will study your profile, in other words review certain criteria.
"}},{"componentType":"paragraph","title":"Your financial situation","richBody":{"value":"To determine how much credit you are able to repay, your bank will analyse your overall financial situation, which includes:
Your bank will take into account your personal and family situation as known to ING, and in particular the following elements:
It is your overall situation that determines your exact repayment capacity. This way, you can get the loan that's right for you, with suitable monthly repayments that won't put you in financial difficulty.
You can use a simulator to calculate your repayment capacity.
"}},{"componentType":"paragraph","title":"The information required to finalise your personal loan application","richBody":{"value":"When you apply for a loan, you'll need to explain why you're applying for a personal loan. You must:
However, you will not have to provide proof, such as invoices, of the use you make of the amount borrowed if the sum does not exceed €50,000. However, you will be asked for your payslips, so keep them at hand - you'll need them to finalise your application before you sign.
To find out more, read our guide to personal loans.
"}},{"componentType":"highlight","title":"Calculate your repayment capacity!","richBody":{"value":"When you simulate your ING Personal Loan online, you can directly check the viability of your project. The calculator lets you know how much your monthly budget will cover.
"}},{"componentType":"sectionTitle","title":"Also consider!"},{"componentType":"cards","cards":[{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Guide to personal loans","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.","image":{"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,"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","extension":"jpg"},"date":"2023-10-26","link":{"url":"/en/individuals/borrowing/guide-to-personal-loans"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Holiday loan","body":"Make the most of your next holiday by financing it with an ING Holiday Loan. Find out all the details and practical information in this article.","image":{"transformBaseUrl":"https://assets.ing.com/transform/17389c7f-6e9d-4813-bd0d-da3d7674772c/plan-your-travel","type":"image","width":799,"original":"https://assets.ing.com/m/76c179b47be768d6/original/plan-your-travel.jpg","extension":"jpg"},"date":"2023-11-03","link":{"url":"/en/individuals/borrowing/holiday-loan"}},{"componentType":"articleCard","cardType":"article","cardSize":"medium","title":"Wedding Loan","body":"Why not finance your wedding with an ING Wedding Loan? Find out all the conditions for applying in this article.","image":{"transformBaseUrl":"https://assets.ing.com/transform/c466490d-4f55-4a84-a8aa-a05a62d97552/Newlywed-couple-outside-church","type":"image","width":4858,"altTextEN":"\"","altTextNL":"\"","altTextFR":"\"","altTextDE":"\"","original":"https://assets.ing.com/m/7a1820df9e9a20b9/original/Newlywed-couple-outside-church.jpg","extension":"jpg"},"date":"2023-11-03","link":{"url":"/en/individuals/borrowing/wedding-loan"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Legal information related to advertising on this product
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).
"}},{"componentType":"paragraph","title":"Legal information related to the loan provider","richBody":{"value":"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
"}}]}}}