Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs ING Germany
What sets them apart
| Compare |  AU Small Finance Bank |  ING Germany |
|---|---|---|
| APR | up to 30% | 3.69% to 10.99% |
| Loan amount | ₹25,000 to ₹1,500,000 | €5,000 to €100,000 |
| Term | 12 to 60 months | 12 to 120 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 0 EUR |
| Funding time | Within 24 hours | Immediate payout on request, otherwise on a chosen date up to 3 months after approval |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | 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 |
| Origination fee (%) | up to 4% | 0% |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Car, Credit lineCovers more |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | 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 |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Credit needed (Good).
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Key differences
- ING Germany scores higher overall: 9.4 vs 8.9.
- Founded is lower at ING Germany: 1965 vs 1996.
- Free early repayment: only ING Germany.
- Term is higher at ING Germany: 12 to 120 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat.
- Loan types: only ING Germany offers Car, Credit line.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
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 | AU Small Finance Bank | ING Germany |
|---|---|---|
| Cost | 8.2 | 9.4HigherArrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.4Higher |
| Trust | 9.3 | 9.5Higher |
Where each is licensed and available
| Country | AU Small Finance Bank | ING Germany |
|---|---|---|
| Germany | Not confirmed | |
| India | Not confirmed |
Additional countries for AU Small Finance Bank: 1. Additional countries for ING Germany: 1.
Where they rank in our lists
| Ranking | AU Small Finance Bank | ING Germany |
|---|---|---|
| Personal loans | 110 of 1943 | 280 of 1943 |
| Debt consolidation loans | 45 of 425 | 67 of 425 |
| Mortgages | 15 of 719 | 49 of 719 |
| Remortgage deals | 14 of 351 | 33 of 351 |
| Home equity loans and HELOCs | 5 of 110 | 13 of 110 |
A third option
Sofkredit has term at 6 to 240 months, against 12 to 60 months for AU Small Finance Bank and 12 to 120 months for ING Germany.
Sofkredit reviewWhere these facts come from
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
ING Germany
- ing.de: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | AU Small Finance Bank | ING Germany |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | AU Small Finance Bank Limited | ING-DiBa AG |
| Headquarters | India | Germany |
| Founded | 1996 | 1965Lower |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Mortgages
| Fact | AU Small Finance Bank | ING Germany |
|---|---|---|
| Initial rate | Not confirmed | 4.79% |
| APRC | Not confirmed | 4.93% |
| Fixed period | Not confirmed | 15 years |
| Maximum loan to value | Not confirmed | 100% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Remortgage, Home equity |
Where each stands against the rest
| Fact | AU Small Finance Bank | ING Germany | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 3.69% to 10.99%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | up to 4%highest quarter | 0%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
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
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 36.
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 | AU Small Finance Bank | ING Germany |
|---|---|---|
| Germany | No | Yes |
| India | Yes | No |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
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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