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ING Deutschland
Cash loans

ING Ratenkredit

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ING Deutschland • EUR

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3,9 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 3,99%
Loan amount 5 000 – 100 000 EUR
Period 12–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

ING Ratenkredit Reviewed

The ING Ratenkredit is aimed at private individuals with personal financing needs, such as a purchase, renovation, or debt consolidation. The application is done online and requires both residence and employment in Germany.

Interest and Costs

The effective annual percentage rate (APR) ranges from 3.99% to 10.99%, and the fixed nominal interest rate p.a. ranges from 3.92% to 10.47%. In the bank's representative example, a loan of €15,000 over a term of 120 months results in an effective APR of 7.54%. Loan amounts between €5,000 and €100,000 can be financed. From a loan amount of €40,001, ING automatically grants an interest discount of 0.20 percentage points.

Terms and Requirements

The term can be chosen between 12 and 120 months. No separate processing fee is disclosed on the offer page. Additional repayments are unlimited and free of charge, so the loan can be repaid in full or in part ahead of schedule at any time without incurring extra costs.

Requirements for approval include being of legal age, using the loan for private purposes, and having both residence and employment in Germany. A salary checking account is also required, along with a stable monthly income of at least €1,600. The bank also requires good creditworthiness.

Pros and Cons

  • Automatic interest discount of 0.20 percentage points from €40,001 loan amount
  • Unlimited, free additional repayments possible at any time
  • Clearly defined minimum income of €1,600 per month provides transparency
  • Wide loan amount range, from €5,000 to €100,000
  • Flexible term from 12 to 120 months
  • Minimum income of €1,600 per month excludes lower earners
  • Minimum loan amount of €5,000 higher than some competitors
  • Rate range up to 10.99% APR for weaker creditworthiness

Verdict

The ING Ratenkredit stands out with clearly communicated requirements, unlimited free additional repayments, and an automatic interest discount on larger loan amounts. Due to the €1,600 minimum income and €5,000 minimum loan amount, it is best suited to customers with a stable income and a somewhat larger financing need.

✓ Pros

  • ✓ Automatic interest discount of 0.20 points from €40,001 loan amount
  • ✓ Unlimited, free additional repayments possible at any time
  • ✓ Clearly defined minimum income of €1,600 per month
  • ✓ Wide loan amount range, €5,000 to €100,000
  • ✓ Flexible term from 12 to 120 months

✕ Cons

  • ✕ Minimum income of €1,600 per month excludes lower earners
  • ✕ Minimum loan amount of €5,000 higher than some competitors
  • ✕ Rate range up to 10.99% APR for weaker creditworthiness

Loan repayment calculator

5 000 EUR 100 000 EUR
12 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 3.99%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 3,99% (APRC — check the bank's current offer), the monthly instalment is approximately 451 EUR, and the estimated total amount payable is approximately 21 672 EUR (including interest: approx. 1 672 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.