ING Personal Loan

Unsecured personal loan with a low fixed rate, monthly Loan Service Fee and no early repayment fees.
Category: Personal Loans  Last Updated November 20, 2025  Effective July 8, 2018

 General Lending Rates

Rates listed below are for a FIXED product. Additional Information
Interest Rate
6.19% PA
Comparison Rate
7.03%PA*
Product rates will vary depending upon your financial position< LVR, and other criteria. The product may also vary depending upon the rate type, repayment type, or loan purpose. We encourage you to contact us for a full understanding of the product and terms.
Product Variations
Product rates and conditions will usually vary based on the LVR and other conditions..
  , FIXED, 16.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 16.49%, Comparison Rate 17.29%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 7.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 7.49%, Comparison Rate 8.33%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 6.89%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.89%, Comparison Rate 7.73%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 6.19%
  • Lending Rate Type: Fixed
  • Interest Rate: 6.19%, Comparison Rate 7.03%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 13.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 13.99%, Comparison Rate 14.80%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 9.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 9.99%, Comparison Rate 10.81%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.99%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.99%, Comparison Rate 9.82%
  • Repayment Type:
  • Loan Purpose:
  , FIXED, 8.49%
  • Lending Rate Type: Fixed
  • Interest Rate: 8.49%, Comparison Rate 9.32%
  • Repayment Type:
  • Loan Purpose:

 Product Features

  • Digital Banking
  • Other Additional Information: Same day funds. If you are an existing ING customer, the money can be received into your Orange Everyday on the same day as you accept your loan offer.
  • Other Additional Information: Choice of 2, 3, 4, 5, 6 or 7 year loan terms with fortnightly or monthly repayments. 6 and 7 year loan terms only available for amounts above $30,000.

 Product Eligibility

  • Min Age - 18. Additional Information: You must be aged 18 or over.
  • Min Income - 36000.00. Additional Information: You must meet any salary or regular deposit condition that we advise at the time you apply.
  • Residency Status - Au. Additional Information: Available to Australian citizen or Australian permanent resident.
  • Residency Status - Nz. Additional Information: Available to New Zealand citizen.
  • Other Additional Information: Have and maintain an Australian residential address.

 Bank Fees and Charges

  • Loan Service Fee (Periodic), Amount: 8.00. Additional Information: There is a Monthly Loan service fee
  • Late Payment Fee (Event), Amount: 30.00.
  • Early Repayment Fee (Exit), Amount: 0.00. Additional Information: Flexibility to make extra repayments without charge. You won’t be hit with early repayment fees if you pay the loan off early.
  • Establishment Fee (Event), Amount: 199.00.
  • Interim Statement Fee (Event), Amount: 7.00.

 Limitations & Restrictions (Constraints)

  • Min Limit of 5000.00
  • Max Limit of 60000.00