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":"Request your offer"}},{"componentType":"paragraph","title":"Illustrative example","richBody":{"value":"Sam wants to surprise their wife with a city trip to Paris this Valentine's weekend. The total costs of this city trip rounds up to €1500, all expenses included. This is a big expense in Sam's February budget and they'd like to spread this costs over several months. These are the conditions of borrowing this amount:
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":"sectionTitle","title":"Frequently Asked Questions"},{"componentType":"accordion","accordionList":[{"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":"Who can get a personal loan?","richBody":{"value":"To be eligible for an ING Personal Loan, you must be at least 18 years of age and have the necessary repayment capacity.
"}},{"title":"How much can I borrow with a personal loan?","richBody":{"value":"The minimum amount for an ING Personal Loan is 500 euros. The maximum amount is variable and depends on the term and your repayment options. Below 50,000 euros, you don’t have to provide any supporting documents.
"},"textLinks":[{"url":"https://www.ing.be/en/individuals/borrowing/loan-calculator?purpose=leisure","text":"Calculate your rate"}]},{"title":"What term should I choose for my loan?","richBody":{"value":"The minimum term of your ING Personal Loan is 6 months. The maximum term depends on the amount borrowed and your repayment capacity. However, it can never exceed 240 months.
"}},{"title":"What is the interest rate on a personal loan?","richBody":{"value":"Your interest rate depends on your customer profile, the amount you borrow and the term of your loan. The annual percentage rate of charge (APR) is the total price of your loan on an annual basis. This means it takes into account interest and any loan charges.
"},"textLinks":[{"url":"https://assets.ing.com/m/da24ea745ab7428e/original/Tarievenblad_EN.pdf","text":"Consult the consumer credit rates (PDF)"}]},{"title":"Do I need a supporting document?","richBody":{"value":"No, you don't need to provide a signed quotation or invoice. Below 50,000 euros, you don’t have to provide any supporting documents.
"}},{"title":"Why borrow from your bank and not directly from a retailer?","richBody":{"value":"We pay the sum borrowed into your current account as soon as we receive the signed contract and the necessary supporting documents.
You start repaying your loan the month after the sum borrowed is paid into your current account.
You’ll start paying it off the month after your receive the money for your loan.
"}},{"title":"Are there any extra charges?","richBody":{"value":"There are no additional charges with an instalment loan. All charges are included in the fixed annual percentage rate (APR).
"}}]},{"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"}}]},{"componentType":"accordion"}]},"complementaryZone":{"flexComponents":[{"componentType":"sectionTitle","title":"Also interesting"},{"componentType":"cards","cards":[{"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
This advertising message, which concerns an instalment 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).
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
"}}]}}}