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Personal loan

Need a solution for exceptional outgoings? | Attention, borrowing money also costs money.

Do you need a loan for your dream vacation or wedding? Or do you have unexpected costs for which you’d rather not dip into your savings? Whatever your plans, with a personal loan you keep your budget in balance and repay at your own pace.

  • Easy

    You can apply for your personal loan quickly, easily and securely online. You’ll find out whether we’ve approved your application instantly.

  • From €58.18/month

    Find out, with no obligation, how much your project would cost per month. A loan of 1,300 euros over 24 months can be repaid from just 58.18 euros per month.*

  • Tailored

    Choose the amount and term that suit you best. You’ll enjoy the confidence that comes with getting an interest rate tailored to your personal situation.

Already an ING customer?

  1. Calculate your monthly repayments in minutes with our online loan simulator by logging in. You’re under no obligation to apply so adjust the conditions until you find what you’re looking for!
  2. Get your quote. You’ll immediately* receive a quote (subject to prior approval of your file by ING) with your personal interest rate. This rate will be valid for 20 days.
  3. Sign your agreement. We’ll transfer the money into your current account as soon as we receive and approve the signed application and supporting documents.

* 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).

Not a customer yet?

Make an appointment in a branch for more info about ING Convenience Loan.

  1. Request your offer

    ... by entering your information.

  2. Sign your offer

    ... and receive the borrowed money in your account

Representative example of an ING Convenience Loan (instalment loan for private purposes): for 6,500 euros (average amount granted by ING) and a term of 36 months, an annual percentage rate (APR) of 6.95% (fixed annual interest rate) will apply. This corresponds to a monthly sum of 199.92 euros (or a total of 7,197.12 euros after 36 months). Rate valid on 31/05/2022, subject to change by ING with notice prior to conclusion of the contract. 


* Illustrative simulation as an example of an ING Comfort Loan (instalment loan for private purposes): for 1,300 euros and a term of 24 months, an annual percentage rate (APR) of 7.19% (fixed annual debit interest rate) will apply. This corresponds to a monthly sum of 58.18 euros (or a total of 1,396.32 euros after 24 months). Rate valid on 31/05/2022, subject to change by ING with notice prior to conclusion of the contract.

What is an ING Convenience Loan?

The ING Convenience 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 (charges).

Who can get an ING Convenience Loan?

To be eligible for an ING Convenience Loan, you must be at least 18 years of age.

How much can I borrow?

The minimum amount you can borrow with an ING Convenience Loan is 1,300 euros. The maximum amount varies depending on the term and your ability to repay the loan.

When do I need to repay the loan?

Your convenience loan has a minimum term of six months. The maximum term depends on the amount you borrow and your ability to repay the loan.

What impacts my interest rate?

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. You won’t pay any administration fees.

Find out more about consumer credit rates (pdf).