Updated September 28, 2026 · BorrowCue Editorial Team
AffinityPlus Credit Union vs ING Germany
AffinityPlus Credit Union vs ING Germany: the differences
| Compare |  AffinityPlus Credit Union |  ING Germany |
|---|---|---|
| APR | 7.24% to 18% | 3.69% to 10.99%Lower |
| Loan amount | $1,000 to $40,000 | €5,000 to €100,000 |
| Term | 36 to 60 months | 12 to 120 monthsHigher |
| Representative example | Personal Unsecured: $30.99 per $1,000 borrowed over 36 months at 7.24% APR | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better |
| Eligibility | US citizens and permanent residents over 18 who meet the common bond of living, working or attending school in the service area | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account |
| Loan types | Personal, Debt consolidation, Credit line, Secured | Personal, Debt consolidation, Car, Credit line |
| Credit needed | Fair | Good |
| Arrangement fee | Not confirmed | 0 EUR |
| Funding time | Not confirmed | Immediate payout on request, otherwise on a chosen date up to 3 months after approval |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at AffinityPlus Credit Union: 1930 vs 1965.
- APR is lower at ING Germany: 3.69% to 10.99% vs 7.24% to 18%.
- Term is higher at ING Germany: 12 to 120 months vs 36 to 60 months.
- Support channels: only AffinityPlus Credit Union offers Chat.
- Support channels: only ING Germany offers Email.
- Features: only AffinityPlus Credit Union offers Credit line.
- Features: only ING Germany offers Same day funding.
- Loan types: only AffinityPlus Credit Union offers Secured.
- Loan types: only ING Germany offers Car.
Our verdict on each
AffinityPlus Credit Union
AffinityPlus Credit Union lends directly to members in its service area at an APR of 7.24% to 18% on loans of $1,000 to $40,000, with early repayment free.
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
Score breakdown
| Area | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Cost | 9.2 | 9.4HigherArrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. |
| Offer | 9.3Direct lender at 7.24% to 18% APR across $1,000 to $40,000, plus mortgages at 7.375% initial rate with 97% loan to value. | 9.4Higher |
| Trust | 9.6Higher | 9.5 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
AffinityPlus Credit Union
1,155.3 to 3,014.86
1,155.3 to 3,014.86
ING Germany
579.06 to 1,784.23
579.06 to 1,784.23
ING Germany comes out 576.24 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Loan types | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | Yes |
| Secured | Yes | No |
| Car | No | Yes |
| Use cases | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Home improvement | Yes | Yes |
Licences and countries
| Country | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Germany | Not confirmed | |
| United States | Not confirmed |
Additional countries for AffinityPlus Credit Union: 1. Additional countries for ING Germany: 1.
How they place
| Ranking | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Personal loans | 248 of 1932 | 264 of 1932 |
| Debt consolidation loans | 56 of 425 | 63 of 425 |
| Mortgages | 36 of 719 | 47 of 719 |
| Remortgage deals | 20 of 351 | 31 of 351 |
| Home equity loans and HELOCs | 8 of 110 | 12 of 110 |
| Home improvement loans | 70 of 562 | 78 of 562 |
Every fact side by side
| Fact | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Affinity Plus Federal Credit Union | ING-DiBa AG |
| Headquarters | United States | Germany |
| Founded | 1930Lower | 1965 |
| Support channels | Phone, Chat, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Initial rate | 7.375% | 4.79%Lower |
| APRC | 7.516% | 4.93%Lower |
| Fixed period | 30 yearsHigher | 15 years |
| Maximum loan to value | 97% | 100%Higher |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Home equityCovers more | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | AffinityPlus Credit Union | ING Germany | Median |
|---|---|---|---|
| APR | 7.24% to 18%below the median | 3.69% to 10.99%lowest quarter | 8.99 |
| Term | 36 to 60 monthsat the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
AffinityPlus Credit Union
Pros
- Fixed rate pricing on a fixed rate model, with 7.24% to 18% APR across the personal loan range.
- Early repayment is free on personal loans, so a cleared balance costs less.
- Lends direct, covering personal, debt consolidation, credit line and secured borrowing.
Cons
- A hard credit check with fair credit needed puts a real file search on every application.
- Support runs on phone, chat and help centre only, so no written email route is listed.
- Terms run 36 to 60, which leaves less room than longer borrowing to spread a large balance.
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
Who each suits
AffinityPlus Credit Union
Who it suits
- Borrowers after a fixed rate personal loan or a credit line who plan to clear the balance early.
- Homebuyers who can reach 97% loan to value on a 30 fixed period.
Who should look elsewhere
- Readers outside the service area or without the common bond, since eligibility is tied to it.
- Monzo Flex applicants comparing a different market: its APR runs 10% to 23% against 7.24% to 18% here.
- Cashspace and Cashspace ES readers weighing other lenders, at PHP 12 to PHP 36 and 0%.
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
Current offers
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
Country by country
| Country | AffinityPlus Credit Union | ING Germany |
|---|---|---|
| Germany | No | Yes |
| United States | Yes | No |
Questions about each
AffinityPlus Credit Union
What will I actually pay back on a personal loan?+
The published representative example covers the unsecured personal loan, showing a fixed rate drawn from 7.24% to 18% APR and a repayment term of 36 to 60. Early repayment is free, so clearing the balance ahead of schedule cuts the total cost.
Is the rate fixed or variable?+
Personal loans are fixed rate: fixed pricing on a fixed rate model, with 7.24% to 18% APR across the range. Because the rate is fixed, a shift in market rates does not alter the repayment once the loan is agreed. Readers can set that range beside the 12% rate typical of offers here.
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
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