ING
ING Personal Loan
Unsecured personal loan with a low fixed rate, monthly Loan Service Fee and no early repayment fees.
Personal loansBank updated 8 Sept 2026
At a glance
- Fixed
- 6.19% · 7.03% comparison
- Loan size
- $5,000 to $60,000
- Monthly fee
- $8
§ 01 — Rates · 2
| Type | Applies to | Term | Band | Rate | Comparison | Conditions |
|---|---|---|---|---|---|---|
| FixedMinimum interest rate. Get your low personalised fixed interest rate from 6.19% p.a., depending on your credit score. Comparison rates range from 7.03% p.a. to 20.78% p.a. | P&I | 7 yrs fixed | — | 6.19% | 7.03% | — |
| FixedMaximum interest rate. Get your low personalised fixed interest rate up to 19.99% p.a., depending on your credit score. Comparison rates range from 7.03% p.a. to 20.78% p.a. | P&I | 7 yrs fixed | — | 19.99% | 20.78% | — |
§ 02 — Fees · 5
| Fee | Type | Amount | When | Notes |
|---|---|---|---|---|
| Establishment fee | Event | $199 | — | — |
| Interim statement fee | Event | $7 | — | — |
| Early repayment fee | Exit | No fee | — | Flexibility to make extra repayments without charge. You won’t be hit with early repayment fees if you pay the loan off early. |
| Late payment fee | Late payment | $30 | — | — |
| Loan Service Fee | Periodic | $8 | Every 1 mo | There is a Monthly Loan service fee |
§ 03 — Features
Digital banking
- · 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.
- · Choice of 2, 3, 4, 5, 6 or 7 year loan terms with fortnightly or monthly repayments.
§ 04 — Eligibility & limits
- · Minimum age 18
- · Residency: NZ
- · Minimum income $36,000
- · Amount $5,000 to $60,000
- · Have and maintain an Australian residential address.
- · Minimum Loan term of 2 years.
- · Maximum loan term of 7 years.
§ 05 — Compare
§ 06 — Run the numbers
Put this product through a calculator
Published by ING BANK (Australia) Ltd under the Consumer Data Right, last changed by them on 8 Sept 2026. Figures are shown as the institution publishes them and can change without notice; confirm on their site before applying. The Finance Algorithm earns nothing from any product listed here.