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.
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* With a legal requirement to pay back the full amount at least once per year for reserves up to 3,000 euros, and once every 5 years for reserves over 3,000 euros.
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The advantage? You don't have to provide supporting documents for applications of less than 50,000 euros.
"},"title":"How does a personal loan work?"},{"richBody":{"value":"Want to know how much you can borrow or what repayments will be required? Use our simulation tool and choose the amount you want to borrow and the term and find out how to make your plans a reality!
"},"title":"Do you want to do a simulation of your personal loan?"},{"richBody":{"value":"Find out all about our ING Personal Loan, request your installment loan online follow the progress of your project and much more!
"},"title":"How do I apply for a personal loan?"}],"componentType":"accordion"}]},"freeHeaderZone":{"flexComponents":[{"cards":[{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"png","original":"https://assets.ing.com/m/54d959aae4fb5a37/original/Surf-illu_Personal.png","transformBaseUrl":"https://assets.ing.com/transform/1ab8e0dd-8882-4cdb-aee2-56fb10eec16f/Surf-illu_Personal","type":"image","width":632},"intro":"Instalment loan for your projects and other (unexpected) costs","link":{"url":"/en/individuals/borrowing/personal-loan"},"promotionalLabel":{"body":"Cashback","labelType":"commercial"},"title":"Personal loan"},{"cardSize":"small","cardType":"product","componentType":"productCard","image":{"extension":"svg","original":"https://assets.ing.com/m/b0b16f4cd168919/original/Comfort-investment-woman-hammock-scene-1.svg","transformBaseUrl":"https://assets.ing.com/transform/21cf1525-73bd-40fe-b76f-d71c5a3d1ced/Comfort-investment-woman-hammock-scene-1","type":"image","width":1200},"intro":"Spread out your holiday expenses and enjoy your trip","link":{"url":"/en/individuals/borrowing/holiday-loan"},"promotionalLabel":{"body":"Cashback","labelType":"commercial"},"title":"Holiday loan"}],"componentType":"cards"}]},"hasMacro":false,"id":"7a6c432f-d334-4d90-a084-8646108f938d","legalZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Legal notes"},{"componentType":"paragraph","richBody":{"value":"Installment loan (personal loan) for personal use, subject to the law on consumer credit (charges).
The ING Cash Reserve is an arranged overdraft for personal use. Offer reserved for natural persons over 18 and subject to prior acceptance of your application by ING Belgium and to mutual agreement. General conditions for ING loans are available from any ING branch and on www.ing.be.
Advertising reserved for natural persons aged 18+ and subject to prior acceptance of your loan application by ING Belgium and to mutual agreement. It does not constitute an offer of credit. The general terms and conditions and lending rates are available at all ING branches and on ing.be under charges and regulations.
Your application and any approval of your application by ING Belgium (after examination of your file by ING Belgium) in branch or via the Customer Loans Online service at ing.be, in the ING Banking app or in Home’Bank are not binding for ING Belgium or you until you’ve signed the credit agreement at your ING branch or, in the case of an online application, as long as you have not returned the signed credit agreement (subject to prior approval of your file by ING). Before this, we’ll look at whether the data disclosed in your application are correct and complete based on, for example, the supporting documents that have been or will be supplied).
Your interest rate depends on your customer profile, the amount borrowed and the term of your loan. The annual percentage rate (APR) is the total price of your loan on an annual basis. This means that interest and any loan charges are taken into account.
Read more about the consumer credit tariffs (pdf).
ING Belgium NV/SA – Bank/Lender – Marnixlaan/Avenue Marnix 24, B-1000 Brussels – RLP Brussels – VAT: BE 0403.200.393 - BIC: BBRUBEBB – IBAN: BE45 3109 1560 2789
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