If you’re after a loan that’s got no surprises or hidden nasties, then look no further than the ING Unsecured Personal Loan. With fixed interest rates from 6.89% p.a. (7.10% p.a comparison rate*), you’ll always have the comfort in knowing your repayment amount. Throw in the option of making free extra repayments and a $0 exit fee and you could be looking at a winner. This loan from ING has also just bagged a 2024 Mozo Experts Choice Award for the category of Excellent Credit Unsecured Personal Loan.
With fixed rates between 6.89% p.a. (7.10% p.a. comparison rate*) and 18.99% p.a. (19.23% p.a. comparison rate*), plus no monthly fees or early repayment fees - the ING Unsecured Personal Loan could be your answer to getting that dream holiday in the Maldives.
You’ll be able to borrow between $5,000 and $60,000, make your repayments on a fortnightly or monthly basis and have the option to make extra repayments for free! Just keep in mind though that once you make extra repayments, that’s it, as there is no redraw facility with this loan.
Keep in mind that this loan comes with a $150 establishment fee. There's also a $20 late payment, so it's worth setting up a direct debit to make sure you never miss a payment.
The ING Unsecured Personal Loan could be a good option if you're after a competitive rate.
While this loan doesn’t come with a monthly service or exit fee, there is a $150 upfront fee and a $20 late payment fee. So it might be worth setting up a direct debit from your bank account so you never miss a repayment.
Fixed |
|
6.89% p.a.to 18.99% p.a. fixed |
|
7.10% p.a.to 19.23% p.a.based on $30,000 |
$150.00 |
|
$0.00 |
|
$20.00 |
|
$0.00 |
|
$0 |
$5,000.00 |
|
$60,000.00 |
|
1 Year |
|
7 Years |
|
Unsecured |
- |
|
Fortnightly, Monthly |
|
yes |
|
no |
|
6 and 7 year terms only available for amounts over $30,000. |
|
none |
WARNING: The Comparison Rate combines the lender's interest rate, fees and charges into a single rate to show the true cost of a personal loan. The comparison rates displayed are calculated based on a loan of $30,000 for a term of 5 years or a loan of $10,000 for a term of 3 years as indicated, based on monthly principal and interest repayments, on a secured basis for secured loans and an unsecured basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan.
ING are the most honest I’ve found. They tell me the truth every time, I’ve felt looked after every time I’ve called or messaged them. Their customer service is amazing!
Read full reviewING are the most honest I’ve found. They tell me the truth every time, I’ve felt looked after every time I’ve called or messaged them. Their customer service is amazing!
Took over 5 weeks and 3 different occasions of asking for additional documents which were always ready and provided almost immediately just to end up having a loan rejected, with absolutely no explanation. My account was locked citing "fraud" and customer service was not able to assist, just redirected to a whole different team after waiting over an hour and a half to speak with an agent. Shortly after received an email that the application was unsuccessful with no explanation as to why after being run in circles for well over a month. Utterly disappointed and will be taking this further with the company directly.
Read full reviewTook over 5 weeks and 3 different occasions of asking for additional documents which were always ready and provided almost immediately just to end up having a loan rejected, with absolutely no explanation. My account was locked citing "fraud" and customer service was not able to assist, just redirected to a whole different team after waiting over an hour and a half to speak with an agent. Shortly after received an email that the application was unsuccessful with no explanation as to why after being run in circles for well over a month. Utterly disappointed and will be taking this further with the company directly.
Very bad service with new look I don’t like. Different credit score
Read full reviewVery bad service with new look I don’t like. Different credit score
Low interest and no sign up/establishment fees I took a personal loan to pay off high interest credit cards and they pay the debt directly to those accounts.
Read full reviewLow interest and no sign up/establishment fees I took a personal loan to pay off high interest credit cards and they pay the debt directly to those accounts.
When I applied for a personal loan I was declined. I called to check and they said something about my credit reporting. I called Equifax and they said my credit reporting is great and nothing is wrong with it. Then I got a copy of my credit file and checked it myself - I never missed a payment in a while plus haven't made any applications in the last two years. I called the bank again and got no answer. Took my money out of this bank and closed my account.
Read full reviewWhen I applied for a personal loan I was declined. I called to check and they said something about my credit reporting. I called Equifax and they said my credit reporting is great and nothing is wrong with it. Then I got a copy of my credit file and checked it myself - I never missed a payment in a while plus haven't made any applications in the last two years. I called the bank again and got no answer. Took my money out of this bank and closed my account.
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Debt Consolidation
6.57% p.a.to 18.99% p.a.
7.19% p.a.to 19.39% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Clean Green Car Loan
7.29% p.a.
8.41% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Express Personal Loan
14.95% p.a.to 27.95% p.a.
29.30% p.a.to 42.8% p.a.based on $10,000
over 3 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
6.75% p.a.to 26.95% p.a.
6.75% p.a.to 26.95% p.a.based on $30,000
over 5 years
Unsecured Personal Loan
5.76% p.a.to 24.03% p.a.
6.55% p.a.to 24.98% p.a.based on $30,000
over 5 years
Low Rate Personal Loan
6.57% p.a.to 8.48% p.a.
7.19% p.a.to 8.84% p.a.based on $30,000
over 5 years
Debt Consolidation
5.76% p.a.to 24.03% p.a.
6.57% p.a.to 24.99% p.a.based on $30,000
over 5 years