Say you want to furnish a new living room. Your budget is around €4,000 but you want to spread the cost. With an ING Personal Loan it looks like this:
¹ During the opening hours of the National Bank of Belgium's Central Individual Credit Register (Mo – Fri: 6 am – 10.30 pm, Sat: 6 am - 8.30 pm, Sun: 1 pm – 10.30 pm).
"}},{"componentType":"cta","textLink":{"text":"Log in to receive your offer","url":"https://ebanking.ing.be/banking/products/580/open?EW=true"}},{"componentType":"cta","textLink":{"text":"No ING app yet? Download now","url":"https://www.ing.be/en/individuals/daily-banking/ing-banking-app?store_redirect=true"}},{"componentType":"sectionTitle","title":"Representative example"},{"componentType":"paragraph","richBody":{"value":"1) Representative example for an ING Personal Loan (instalment loan for private purposes)
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 7.99%¹, you‘ll pay 202.82 euros per month, totaling 7,305.52 euros.
Rate valid on 05/10/2026, subject to change with notice prior to conclusion of the agreement.
¹ 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":"Whether you can apply alone or together depends on your situation:
ING checks that the repayments are in line with your financial capacity. With a joint application, the income of both applicants can be taken into account, which may increase the amount you can borrow and the likelihood of approval.
"},"title":"What are the benefits of applying with a second applicant?"},{"richBody":{"value":"If not already done, each applicant must download the ING Banking app and complete the onboarding individually using their own personal details and identification documents. This allows ING to verify both identities and create an ING profile for each applicant. You do not need to open an ING current account.
Both applicants can complete these steps independently and simultaneously. Once both profiles are ready, either applicant can start the joint loan application in the app.
"},"title":"How do we become ING customers and start a joint application?"},{"richBody":{"value":"The person starting the application provides information about both applicants, including income, monthly expenses and existing financial commitments. Both of you must then review and sign the loan agreement before your application can be completed.
"},"title":"What information and signatures are required?"}],"componentType":"accordion"},{"accordionList":[{"richBody":{"value":"Yes, you can apply online directly after creating your profile in the ING Banking App. ⚠️ Important: online loan applications are only available to Belgian residents.
Prefer not to apply online? You can always visit an ING branch.
"},"title":"Can I apply for a loan without first opening an ING account?"},{"richBody":{"value":"When making certain purchases (e.g. a washing machine, fridge, etc.), you are often offered the chance to pay in instalments.
Even if this seems simple and attractive, remember to compare the annual percentage rates (APR), because these are often lower with your bank. If you have unexpected expenses, consider an ING Personal Loan.
"},"title":"Why borrow from your bank and not directly from a retailer?"},{"richBody":{"value":"You can use a personal loan for a variety of purposes. What's more, you don't need an invoice to do so. Here are a few examples to inspire you.
The ING Personal Loan is an instalment loan for personal use allowing you to pay for personal, miscellaneous expenses. Are you looking forward to a marriage or family celebration? Do you need new furniture, household appliances or IT equipment? You might prefer not to touch your savings or need an extra financial push. In that case the personal loan might be right for you. This installment loan is subject to the law on consumer credit.
"},"title":"What is a personal loan?"},{"richBody":{"value":"Discover more about the process of applying for a personal loan. From the online request to getting your money, find out more here.
"},"textLinks":[{"text":"The online process of applying for a Personal Loan","url":"/en/individuals/borrowing/personal-loan_more-info-about-online-process"}],"title":"How does the process for a personal loan work?"},{"richBody":{"value":"The account for repaying the loan must be an account that can be used for making payments. You must be the holder or joint holder of this account.
For smooth processing, your repayments must always be made from the same bank account where you received the loan.
If a repayment is sent from a different account:
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.
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
"},"textLinks":[{"text":"Read more about legal disclaimer on our simulator (PDF)","url":"https://assets.ing.com/m/1d157503545941f6/original/Simulator-disclaimer-credit-consommation-EN.pdf"}]}]},"localeString":"en-GB","mainHeaderZone":{"backLink":{"textLink":{"text":"Borrowing","url":"/en/individuals/borrowing"}},"componentType":"productHeader","coreHeader":{"headerImage":{"altTextEN":"Sofa","extension":"jpg","original":"https://assets.ing.com/asset/51f449bc-a9a8-4701-ba56-ff8ccadd5184/Furniture-personal-loan.jpg","publishedAt":"2026-08-13T11:21:19Z","transformBaseUrl":"https://assets.ing.com/transform/51f449bc-a9a8-4701-ba56-ff8ccadd5184/Furniture-personal-loan","type":"image","updatedAt":"2026-08-13T13:29:57Z","width":1440},"subtitle":"Instalment loan for your projects or unexpected costs. Spread the cost and stay in control, with a clear view of repayments","title":"Personal loan"},"cta":{"componentType":"cta","textLink":{"text":"Log in and calculate","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":"No ING app yet? Calculate now","url":"/en/individuals/borrowing/personal-loan?choice=newcustomer#make-a-simulation"}},"taxonomies":[{"taxonomyKeys":["header_x003a_default"],"taxonomyType":"personalizationTaxonomy"}],"usps":[{"body":"Even without an ING current account","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","width":32}},{"body":"No justification needed < €50,000","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","width":32}},{"body":"As of 7.99% APR*","icon":{"extension":"svg","original":"https://assets.ing.com/m/7c158c0ba780dccf/original/Feedback-Check_Mark_Outline.svg","publishedAt":"2022-07-04T09:54:27Z","transformBaseUrl":"https://assets.ing.com/transform/36c4efe8-31f5-4d67-bf86-55821b88f6c6/Feedback-Check_Mark_Outline","type":"image","updatedAt":"2022-07-04T10:44:25Z","width":32}}]},"publishDate":"2026-10-09T11:28:27.238+02:00"}}