ING Personal Loan

ING offers a fixed rate unsecured personal loan with no ongoing fees, allowing you to borrow between $5,000 and $60,000.

Last checked on September 19, 2026. We may earn a commission when you click through.

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✓ Fixed interest rates from 6.19% p.a. ✓ No ongoing fees or early repayment penalties ✓ Same-day approval for eligible customers
Personal ING Reviewed

ING Personal Loan

Updated 1 day ago

APR Range

6.19–19.99%

Amount

A$5k–A$60k

Term

12–84 months

Type

personal

Check eligibility →

You'll be redirected to ing.com.au

Our Verdict

The ING Personal Loan offers competitive fixed rates starting at 6.19% p.a., making it suitable for those looking for predictable repayments. However, applicants with lower credit scores may face higher rates.

Best For

Individuals with strong credit histories seeking a personal loan for major expenses or consolidating debt.

Watch Out

While there are no early repayment fees, those with credit scores below the high tier may not secure the best rates.

Pros

  • Fixed interest rates from 6.19% p.a.
  • No ongoing fees or early repayment penalties
  • Same-day approval for eligible customers
  • Flexible borrowing amounts from $5,000 to $60,000

Cons

  • Higher rates for those with lower credit scores
  • Requires stable income proof
  • Limited to Australian citizens or permanent residents

Full Review

At 6.19% to 19.99% APR, the ING Personal Loan presents a flexible option for borrowers. Our team found that the same-day approval for eligible customers is especially for urgent financial needs. The absence of ongoing fees is also a plus, allowing borrowers to manage their loans without hidden costs.

One critical aspect is the personalised fixed interest rate, which varies based on creditworthiness. Be prepared for higher rates if your credit score is not in the top tier. Compared to other lenders, this can be a drawback for some.

The online application process is user-friendly, making it easy to check your borrowing power through their website. However, that having an ING account is not necessary, which may appeal to new customers. Overall, this loan is a good fit for those who value transparency and terms.

Who Is This For?

Creditworthy borrowers in Australia who need a personal loan for significant expenses without hidden fees.

What Borrowers Say

Customers generally appreciate the straightforward application process and the absence of hidden fees, although some express concerns about the higher rates for lower credit scores.

Summary

ING offers a fixed rate unsecured personal loan ranging from $5,000 to $60,000 with rates between 6.19% and 19.99% p.a., featuring no ongoing fees.

About This Loan

ING offers a fixed rate unsecured personal loan with no ongoing fees, allowing you to borrow between $5,000 and $60,000.

Requirements

  • Australian citizen or permanent resident
  • 18 years or older
  • Regular income
  • ING account not required

Check if you qualify

Check eligibility →

You'll be redirected to ing.com.au

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