It was east to obtain, good customer service and fast processing. No issues throughout loan term and can pay down as quick as you like with no hidden fees or charges.
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!
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.
ING are the best to bank with NO ATM FEE's!!!!! quick transfers, they send you emails to confirm all information, safe, secure, I set up my splurge account as per recommendation from barefoot investor
Very bad service with new look I don’t like. Different credit score
Too bad this new credit score based personal loan. I am getting different score than with actual score. Too bad I should get 8.99 interest rate but I am getting 10.99. Very very bad.
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.
The bank is all online so no over heads on in store banks. No wait times on calling, very simple phone choices and staff are very helpful, extensive knowledge and don’t push sales.
ING always has competitive rates and they have a trusted name. I always know I'm getting a good rate with a trusted bank. Their online banking app is not very consumer friendly. There are no branches/ATMs.
I was left a little short with a recent renovation and applied for a personal loan with ING who I already bank with. The rate was competitive, but what really impressed me was how easy it was to apply. The repayments simply come out of my daily account and it is easy to transfer extra at any time. Very impressed.
ING is fantastic. They keep you updated and communicate clearly but don't flood you with emails. They never cold call which is a huge plus and a nice change. Their phone app is great and very easy to use, as is their website. It's safe and secure and I have a lot of different accounts with them that are easy to use and navigate. My online banking is so straight forward and 'tidy'- I love it! The personal loan was just so easy to apply for and manage and the interest rate has been really reasonable. The only downside is that they don't have physical branches which is annoying if you want to deposit money. However, you can deposit cash at an Australia Post into your ING account so it's a good work around. Overall, best bank I have ever been with and I have no intention to change.
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.
Applied for a personal loan. They rejected me but couldn't be bothered communicating why it was rejected. I have good income and good credit rating, but I got rejected with no response and now its on my file.
Repayment terms from 2 years to 7 years. Representative example: a 5 year $30,000 loan at 6.75% would cost $35,430.23 including fees.
Repayment terms from 3 years to 7 years. Representative example: a 5 year $30,000 loan at 5.76% would cost $35,173.52 including fees.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.57% would cost $35,528.12 including fees.
Repayment terms from 2 years to 4 years. Representative example: a 3 year $10,000 loan at 14.95% would cost $14,324.71 including fees.
Repayment terms from 1 year to 7 years. Representative example: a 5 year $30,000 loan at 6.57% would cost $35,528.12 including fees.
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.
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