ING Germany review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
A fixed-rate instalment loan with no arrangement fee, from a bank supervised in Germany.
APR
3.69% to 10.99% (Source, checked September 26, 2026)
Loan amount
€5,000 to €100,000 (Source, checked September 26, 2026)
Term
12 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Immediate payout on request, otherwise on a chosen date up to 3 months after approval (Source, checked September 26, 2026)
Representative example
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 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
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 (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
ING-DiBa AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1965 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
ing.de

Mortgages

Initial rate
4.79% (Source, checked September 26, 2026)
APRC
4.93% (Source, checked September 26, 2026)
Fixed period
15 years (Source, checked September 26, 2026)
Maximum loan to value
100% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
ING-DiBa AG (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1965 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInfacebook.com

Pros and cons

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.
  • Home financing starts at an initial rate of 4.79%, fixed for 15 years, lending up to 100% of value.

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.
ING Germany

Ready to try ING Germany?

Scored 9.4 / 10 by BorrowCue.

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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.

How ING Germany compares

Where ING Germany is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Are there any fees for taking out the loan?+

The instalment loan carries an arrangement fee of 0 EUR, and the percentage share of that fee is 0%. The home financing product fee is €0. Early repayment carries no charge either.

How quickly do the funds arrive?+

The instalment loan lists same day funding, and payout can be immediate on request. If a date is preferred instead, the money can be released on a chosen date after approval, which makes a planned purchase easy to time.

Can I repay early without a charge?+

Early repayment is free, so settling the balance early adds nothing. The rate stays fixed across the 12 to 120 term, and the pricing information lists no charge for early repayment.

Who regulates ING Germany?+

The lender is ING-DiBa AG, based in Germany and supervised by BaFin, the Bundesanstalt für Finanzdienstleistungsaufsicht. Support runs on phone, email and help centre, including phone and email, so questions go to the bank itself rather than a broker.

Who is eligible to apply?+

Applicants must be adults with good credit standing, a stable monthly income, a salary paid into a current account, and a residence and workplace in Germany. The loans serve private rather than commercial use, and the credit check is hard with credit standing of good needed.

What are the terms on the home financing range?+

The home financing offer starts at an initial rate of 4.79%, with an annual percentage rate of 4.93% and a fixed period of 15 years. Lending goes up to 100% of the property value, and the product fee is €0.

Sources

  • bafin.de checked September 26, 2026

    Backs: Licences

  • ing.de/baufinanzierung/gebuehren-und-preise checked September 26, 2026

    Backs: Product fee

    “Neufinanzierungs-Bearbeitungsgebuehr: keine; Gebuehren: Keine (fuer Bearbeitung, Kontofuehrung, Schaetzung, Wertgutachten)”

  • ing.de/baufinanzierung/zinsen-aktionen checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose

    “Repräsentatives Beispiel Baufinanzierung: Effektiver Jahreszins 4,93%”

  • ing.de/hilfe checked September 26, 2026

    Backs: Support channels

    “Welcome to the Help Centre - here you will find answers to your questions; in an emergency you can block your cards in the ING app or by phone on 069 / 34 22 24”

  • ing.de/impressum checked September 26, 2026

    Backs: Headquarters, Legal entity

    “ING-DiBa AG, Theodor-Heuss-Allee 2, 60486 Frankfurt am Main, Deutschland; the bank has its seat in Frankfurt am Main”

  • ing.de/kredit checked September 26, 2026

    Backs: Loan types

    “Ratenkredit, Autokredit, Wohnkredit, Rahmenkredit, Kredit abloesen; with the paid-out loan amount you can fulfil any wish or replace expensive existing loans”

  • ing.de/kredit/kundenservice-ratenkredit checked September 26, 2026

    Backs: Credit check, Features, Free early repayment, Funding time, Origination fee (%), Use cases

    “To check your loan application we need your consent to pass data on to SCHUFA; with every loan application we carry out a credit check (Bonitaetspruefung)”

  • ing.de/kredit/ratenkredit checked September 26, 2026

    Backs: Loan amount, APR, Credit needed, Eligibility, Lender type, Pricing model, Rate type, Representative example, Term

    “Net loan amounts (Nettodarlehensbetraege): 5,000.00 to 100,000.00 EUR”

  • ing.de/preis-leistungsverzeichnis checked September 26, 2026

    Backs: Arrangement fee

    “Rahmenkredit, Ratenkredit, Autokredit, Wohnkredit - consumer loans: processing fee (Bearbeitungsgebuhr) none; account keeping free; account statements free; partial early repayment free; early full...”

  • ing.de/ueber-uns/unternehmen/geschichte checked September 26, 2026

    Backs: Founded

    “A look back at 60 years of ING ... and this since 1965; 1965 Georg Leber founds Bank fuer Sparanlagen und Vermoegensbildung AG (BSV)”

Compiled from 10 source pages, checked September 26, 2026. We did not open an account.

ING Germany

ING Germany

A fixed-rate instalment loan with no arrangement fee, from a bank supervised in Germany.

9.4/10See alternatives

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