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":{"url":"https://ebanking.ing.be/banking/products/580/open?EW=true","text":"Log in to receive your personal offer"}},{"componentType":"sectionTitle","title":"Representative example"},{"componentType":"paragraph","richBody":{"value":"Representative example for an ING Personal Loan (instalment loan for private purposes)
Rate valid on 16/03/2026, 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 7.74%, you‘ll pay 202.12 euros per month, totaling 7,276.32 euros.
"}},{"componentType":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"title":"Why borrow from your bank and not directly from a retailer?","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 interest rates (TAEG) because these are often lower with your bank. If you have unexpected expenses, consider an ING Personal Loan.
"}},{"title":"What can I use a personal loan for?","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":"How does the process for a personal loan work?","richBody":{"value":"Discover more about the process of applying for a personal loan. From the online request to the disbursement of the funds, find out more here.
"},"textLinks":[{"url":"/en/individuals/borrowing/personal-loan_more-info-about-online-process","text":"The online process of applying for a Personal Loan"}]}]},{"componentType":"sectionTitle","title":"Services and advice"},{"componentType":"cards","cards":[{"componentType":"serviceCard","cardType":"service","cardSize":"small","title":"View all your loans in one place?","intro":"Consult your lending overview via Home'Bank.","image":{"transformBaseUrl":"https://assets.ing.com/transform/b633ace9-986f-4317-bf25-124f5c521257/Tools_Outline_RGB","type":"image","width":267,"altTextEN":"\"\"","altTextNL":"\"\"","altTextFR":"\"\"","altTextDE":"\"\"","original":"https://assets.ing.com/m/42ce252cfd175923/original/Tools_Outline_RGB.png","extension":"png"},"link":{"url":"https://ebanking.ing.be/banking/overview"}}]}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"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":"productCard","cardType":"product","cardSize":"small","title":"Renovation loan","intro":"Installment loan to finance your house or apartment renovations.","image":{"transformBaseUrl":"https://assets.ing.com/transform/3955c2fa-36ae-4799-a7a2-00c51325793f/diy_renovation","type":"image","width":814,"original":"https://assets.ing.com/m/2299e5f3d09767a6/original/diy_renovation.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/renovation-loan"}},{"componentType":"productCard","cardType":"product","cardSize":"small","title":"Car loan","intro":"Installment loan to help finance your new or 2nd hand car.","image":{"transformBaseUrl":"https://assets.ing.com/transform/4efb165a-121f-4084-a91c-55198d0db8b7/Man-and-woman-in-a-car","type":"image","width":1920,"original":"https://assets.ing.com/m/773d916fca9c9aee/original/Man-and-woman-in-a-car.jpg","extension":"jpg"},"link":{"url":"/en/individuals/borrowing/car-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"}},{"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"}}]}]},"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.
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":[{"url":"https://assets.ing.com/m/1d157503545941f6/original/Simulator-disclaimer-credit-consommation-EN.pdf","text":"Read more about legal disclaimer on our simulator (PDF)"}]}]}}}