Updated September 28, 2026 · BorrowCue Editorial Team
ING Germany vs VCB Bank
Where ING Germany and VCB Bank differ
| Compare |  ING Germany |  VCB Bank |
|---|---|---|
| Loan amount | €5,000 to €100,000 | SRD 500 to SRD 50,000 |
| Term | 12 to 120 monthsHigher | 60 months |
| Funding time | Immediate payout on request, otherwise on a chosen date up to 3 months after approval | Same day (emergency loan) |
| 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 | Valid Surinamese ID (ID card, passport or driving licence), last payslip, employer statement not older than one month, population register extract |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Car, Credit line, Secured, Business, Bridging |
| APR | 3.69% to 10.99% | Not confirmed |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Hard | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Founded is lower at VCB Bank: 1949 vs 1965.
- Term is higher at ING Germany: 12 to 120 months vs 60 months.
- Support channels: only ING Germany offers Email.
- Loan types: only ING Germany offers Debt consolidation.
- Loan types: only VCB Bank offers Secured, Business, Bridging.
Our verdict on each
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.
VCB Bank
VCB Bank suits Surinamese borrowers who want a bank-direct lender and can supply formal proof of income. Emergency loans are funded Same day (emergency loan), and home lending starts at 7%. Personal borrowing costs are not published, so compare rates rather than fees.
Score breakdown
| Area | ING Germany | VCB Bank |
|---|---|---|
| Cost | 9.4Arrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. | Not confirmed |
| Offer | 9.4Higher | 9.1Loan amounts of SRD 500 to SRD 50,000, terms of 60, same-day emergency funding and home lending at 7%. |
| Trust | 9.5 | 9.5 |
Licences and countries
| Country | ING Germany | VCB Bank |
|---|---|---|
| Germany | Not confirmed |
Additional countries for ING Germany: 1. Additional countries for VCB Bank: 1.
Where they rank in our lists
| Ranking | ING Germany | VCB Bank |
|---|---|---|
| Personal loans | 264 of 1932 | 281 of 1932 |
| Mortgages | 47 of 719 | 56 of 719 |
| Car loans | 48 of 431 | 60 of 431 |
| Home equity loans and HELOCs | 12 of 110 | 15 of 110 |
Every fact side by side
| Fact | ING Germany | VCB Bank |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | ING-DiBa AG | Stichting Surinaamse Volkscredietbank |
| Headquarters | Germany | Suriname |
| Founded | 1965 | 1949Lower |
| Support channels | Phone, Email, Help centreCovers more | Phone, Help centre |
Mortgages
| Fact | ING Germany | VCB Bank |
|---|---|---|
| Initial rate | 4.79%Lower | 7% |
| APRC | 4.93% | Not confirmed |
| Fixed period | 15 years | Not confirmed |
| Maximum loan to value | 100%Higher | 60% to 70% |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Home equity |
Where each stands against the rest
| Fact | ING Germany | VCB Bank | Median |
|---|---|---|---|
| APR | 3.69% to 10.99%lowest quarter | Not confirmed | 8.99 |
| Term | 12 to 120 monthshighest quarter | 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
VCB Bank
Pros
- You deal with the lender itself, direct lender.
- Emergency money can be funded Same day (emergency loan).
- Loan sizes run SRD 500 to SRD 50,000 against a typical personal loan of €556.48 on the site.
Cons
- Debt consolidation is not among its loan types (personal, car and credit line).
- Support runs on phone and help centre only.
- Repayment on a personal loan is capped at 60.
Who each suits
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.
VCB Bank
Who it suits
- Anyone in Suriname with a Surinamese ID and formal earnings, since the SR lender asks for your last payslip, a recent employer statement and a population register extract.
- Borrowers who need money quickly, since emergency loans are funded Same day (emergency loan).
- Homebuyers, since mortgages start at 7% and run to 60% to 70% of the value.
Who should look elsewhere
- Buyers chasing the lowest headline rate, who should compare Cashspace at PHP 500 to PHP 25,000.
- Borrowers who need a larger fixed sum, who should look at Monzo Flex at £10,000 to £35,000.
- Applicants without paper proof of earnings, since eligibility rests on payslips and an employer statement.
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 | ING Germany | VCB Bank |
|---|---|---|
| Germany | Yes | No |
| Suriname | No | Yes |
Questions about each
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.
VCB Bank
What can I borrow from VCB Bank?+
Personal loans run to SRD 500 to SRD 50,000, and repayment terms reach 60. The bank also writes car loans, credit lines, secured loans and business loans, so the size that fits depends on which product you pick.
How quickly can I get the money?+
Emergency loans are funded Same day (emergency loan), and that speed is the standout feature here. If you are not in a rush, a longer arrangement may suit your budget better, but the published figures give no alternative timing.