ING BANK (Australia) Ltd
ING Personal Loan
ING BANK (Australia) Ltd · pers loans
Provider last updated this product 2026-09-08.
Unsecured personal loan with a low fixed rate, monthly Loan Service Fee and no early repayment fees.
As published by the lender
- Security - Unsecured
- Headline rates - from 6.19% to 19.99%The lender publishes several headline rates; which one applies is the lender's decision.
Lending rates
| Type | Rate | Comparison^ | Purpose | Repayment | Fixed term | Applies to | Interest |
|---|---|---|---|---|---|---|---|
| FIXED | 19.99% | 20.78% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| Maximum 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. | |||||||
| FIXED | 6.19% | 7.03% | OTHER | PRINCIPAL AND INTEREST | 84 months | - | calculated daily, paid monthly |
| Minimum 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. | |||||||
Fees
| Fee | Type | Amount | Details |
|---|---|---|---|
| Loan Service Fee | PERIODIC | $8 | There is a Monthly Loan service fee |
| Late payment fee | LATE_PAYMENT | $30 | - |
| Early repayment fee | EXIT | $0 | 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 | $199 | - |
| Interim statement fee | EVENT | $7 | - |
Rate history
Rate Comparison rate
The figures behind this chart
| From | Until | Rate | Comparison |
|---|---|---|---|
| 2026-09-27 | 2026-09-30 (current) | 6.19% | 7.03% |
Published figures as captured daily since 2026-09-27. A step is the day the provider's published figure changed; days without a published figure carry the last published value.
Features
- 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.
Who can apply
- min age - 18You must be aged 18 or over.
- min income - 36000.00You must meet any salary or regular deposit condition that we advise at the time you apply.
- residency status - AUAvailable to Australian citizen or Australian permanent resident.
- residency status - NZAvailable to New Zealand citizen.
- otherHave and maintain an Australian residential address.
Limits
- min limit - 5000.00
- max limit - 60000.00
- otherMinimum Loan term of 2 years.
- otherMaximum loan term of 7 years.
The provider's own documents
Published by the provider under the Consumer Data Right. These are their documents, not ours - they are the authority on this product.
Last updated by data holder: 2026-09-08T12:00:00.000Z · Product ID: f9349fd9-7f0e-423a-8e2d-035d8be6c65a