ING Personal Loan
ING Personal Loan: A fixed-rate loan with flexible terms, calculators and no early-repayment fee. Ranked #10 of 34 in Personal Loan Apps by our editors (6.3/10); pricing: Paid; best for australian borrowers prioritizing low fixed rates.
At a glance
- Editor score6.3 / 10
- PricingPaid
- Best forAustralian borrowers prioritizing low fixed rates
- Free planNo
- PrequalificationYes
- Founded1999 · Sydney, New South Wales, Australia
- Facts checked28 Sep 2026
Where it wins
- Fixed interest rate with terms from 2 to 7 years
- No fee for repaying the loan early
- Online application and borrowing-power calculators
Where it doesn't
- Rates vary by applicant, from 6.19% to 19.99% p.a.
- Six- and seven-year terms require loans above AUD 30,000
- Same-day funding is limited to eligible existing ING customers
Our verdict on ING Personal Loan
ING Personal Loan is an unsecured Australian consumer loan for borrowers financing expenses such as a car, debt consolidation, home renovations, travel or a wedding. Applicants can request AUD 5,000 to AUD 60,000 at a personalised fixed interest rate, with repayments spread over 2 to 7 years. The online application takes about 20 minutes, and the loan is available through web and mobile apps. It may suit borrowers who value predictable repayments and want the option to repay early without a fee.
The published rate range is 6.19%–19.99% p.a. fixed, with comparison rates of 7.03%–20.78% p.a. Prequalification uses a soft check, so borrowers can explore potential eligibility before proceeding with an application. ING also provides repayment and borrowing-power calculators to help assess affordability. Six- and seven-year terms are available only for loans above AUD 30,000, which narrows the longer-term options for people seeking smaller amounts. Rates and fees can change, so applicants should review the current loan terms before deciding.
Funding speed depends on eligibility and account status: existing ING customers may receive funds the same day after accepting an offer into an Orange Everyday account. That makes the product more relevant to current customers with a suitable account than to borrowers who need a guaranteed same-day deposit. Choose it if a fixed rate, a range of common personal-loan purposes and fee-free early repayment are priorities. Compare alternatives if you need a longer repayment period on a smaller loan or cannot meet the conditions for faster funding.
ING Personal Loan pricing
ING Personal Loan fact sheet
| Free plan | No |
|---|---|
| Paid from | Not verified |
| Loan amount range | AUD 5,000–AUD 60,000 |
| APR range | 6.19%–19.99% p.a. fixed rate; comparison rate 7.03%–20.78% p.a. |
| Origination fee | No |
| Prequalification | Yes |
| Loan purposes | car purchase; debt consolidation; home renovation; travel; wedding |
| Mobile apps | Both |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Support | Phone, Live chat, Docs |
| Built for | Solo (editorial estimate) |
| Pricing | Paid (source) |
| Website | ing.com.au |
| Facts checked | 28 Sep 2026 |
Alternatives to ING Personal Loan
- Nedbank Personal LoanA flexible Nedbank loan for South Africans consolidating debt or funding major expenses.9.0
- Capitec Personal LoanA flexible consolidation loan with broad terms, but rates and fees can reduce value.8.6
- Kotak811 Personal LoanApp-based borrowing with fixed EMIs and repayment terms up to six years.7.8
See all ING Personal Loan alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Sep 2026
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