It is very simple: select the project for which you are considering taking out a loan. Enter the amount you want to borrow, the term over which you want to repay, and find out how much you will have to repay per month and what the total cost of your repayment will be (including interest).
Convinced? Then you can apply online for a personal loan. If your application is successful, you will receive the money in your account²
(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).
"}},{"title":"What’s an instalment loan?","richBody":{"value":"An instalment loan allows you to buy a car, remodel your home or carry out another project (holiday, party, study, etc.). Simulate and apply for your personal loan online.
"}},{"title":"When is my first repayment?","richBody":{"value":"You’ll start paying it off the month after your receive the money for your loan.
"}}]}]},"legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal mention"},{"componentType":"paragraph","richBody":{"value":"1) For a new car loan (excluding low-emission models).
With an instalment loan for private use of 17,500 euros over 60 months with an annual percentage rate and a fixed debit interest rate of 3.95%, you ‘ll pay 321.34 euros per month, totaling 19.280,40 euros.
Interest rate valid on 16/03/2026 subject to change upon notice before conclusion of the contract.
2) For a second-hand car loan more than 3 years old.
With an instalment loan for private use of 10,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 5.05%, you‘ll pay 230.00 euros per month, totaling 11.040,00 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
3) For a new electric car loan.
With an instalment loan for private use of 12,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 3,75%, you‘ll pay 269.27 euros per month, totaling 12.924,96 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
"}},{"componentType":"paragraph","richBody":{"value":"
Representative examples for an ING Renovation Loan (instalment loan for private purposes)
1) For an ING Renovation loan
With an instalment loan for private use of 10,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 4,24%, you‘ll pay 226.50 euros per month, totaling 10.872,00 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
2) ING Energy Loan
With an instalment loan for private use of 15,000 euros over 48 months with an annual percentage rate and a fixed debit interest rate of 3.84%, you‘ll pay 337.17 euros per month, totaling 16.184,16 euros.
Interest rate valid on 16-03-2026 subject to change upon notice before conclusion of the contract.
* Your interest rate depends on your customer profile, the amount borrowed, and the term of the loan. 50% 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%
3. Your request and any approval of your request by ING Belgium (after examination of your file by ING Belgium) in branch or via the 'Online consumer credits' service on www.ing.be or in the ING Banking app or in the Home’Bank do not commit neither ING Belgium nor yourself as long as you have not signed a credit contract in your ING branch or during your online request and have not returned it to ING (after prior approval of your file by ING). It is checked beforehand whether the information provided in the application is accurate and complete (including on the basis of the documents submitted or to be submitted).
"}},{"componentType":"paragraph","richBody":{"value":"Representative example for an ING Personal Loan (instalment loan for private purposes)
Rate valid on 30/01/2026, 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 7.44%, you‘ll pay 201.28 euros per month, totaling 7,246.08 euros.
"}},{"componentType":"paragraph","richBody":{"value":"
"},"textLinks":[{"url":"https://assets.ing.com/m/1d157503545941f6/original/Simulator-disclaimer-credit-consommation-EN.pdf","text":"Read more about legal disclaimer on our simulator (PDF)"}]}]}}}