---
title: "ING Personal Loan — ING BANK (Australia) Ltd"
description: "Personal Loans from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/f9349fd9-7f0e-423a-8e2d-035d8be6c65a
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-11T06:21:03.003Z
---

# ING Personal Loan — ING BANK (Australia) Ltd

> Personal Loans from ING BANK (Australia) Ltd. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Personal Loans**

Unsecured personal loan with a low fixed rate, monthly Loan Service Fee and no early repayment fees.

## At a glance

- **From:** 6.19% (7.03% comparison)

## Interest rates

| Type | Rate | Comparison | Applies to |
| --- | --- | --- | --- |
| Fixed · 7 years (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.) | 6.19% | 7.03% | — |
| Fixed · 7 years (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.) | 19.99% | 20.78% | — |

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Loan Service Fee — Charged monthly · There is a Monthly Loan service fee | Ongoing | $8.00 |
| Late payment fee | Late payment | $30.00 |
| Early repayment fee — Flexibility to make extra repayments without charge. You won’t be hit with early repayment fees if you pay the loan off early. | Exit | $0.00 |
| Establishment fee | Event | $199.00 |
| Interim statement fee | Event | $7.00 |

## 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. 6 and 7 year loan terms only available for amounts above $30,000.**

## Eligibility

- **Minimum age** — 18 years (You must be aged 18 or over.)
- **Minimum income** — $36,000.00 p.a. (You must meet any salary or regular deposit condition that we advise at the time you apply.)
- **Residency status** — AU (Available to Australian citizen or Australian permanent resident.)
- **Residency status** — NZ (Available to New Zealand citizen.)
- **Have and maintain an Australian residential address.**

## Constraints

- **Minimum limit** — $5,000.00
- **Maximum limit** — $60,000.00
- **Minimum Loan term of 2 years.**
- **Maximum loan term of 5 years for loan amounts up to and including $30,000.**
- **Maximum loan term of 7 years for loan amounts higher than $30,000.**

## More information from ING BANK (Australia) Ltd

- [Overview](https://www.ing.com.au/personal-loans.html)

## Data provenance

- Published by ING BANK (Australia) Ltd under the Consumer Data Right
- Product ID: `f9349fd9-7f0e-423a-8e2d-035d8be6c65a`
- Last updated by the provider: 11 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ing-bank-australia-ltd/f9349fd9-7f0e-423a-8e2d-035d8be6c65a
- Provider page: https://www.cdrcompare.au/brands/ing-bank-australia-ltd
- CDR register entry: https://www.cdr.gov.au/find-a-provider?provider=000026

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ing-bank-australia-ltd/products/f9349fd9-7f0e-423a-8e2d-035d8be6c65a) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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