ING-DiBa Review & Experience
Bank • Loans 5.000,00 € - 50.000,00 €
🏆 Best Rate💳 Apply for ING-DiBa Loan
APR from 3.99% • Approval in 72h
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📊 ING-DiBa at a Glance
General Information
- Provider type: Bank
- Rating: 8.8/10
- Legal name: ING-DiBa AG
- Approval rate: ~88%
Loan Terms
- Loan amount: 5.000,00 € - 50.000,00 €
- APR: 3.99% - 10.99%
- Speed: 72h
Example Calculation (APR) at ING-DiBa
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 3.99% – 10.99% | 241,74 € | 11.603,63 € |
About ING-DiBa
ING-DiBa is a bank for loans in Germany. As a licensed bank, it offers an additional level of security and regulation compared to alternative lenders.
With available amounts between 5.000,00 € and 50.000,00 €, ING-DiBa is suitable for larger financial needs.
Frequently Asked Questions about ING-DiBa
How do I apply for a ING-DiBa loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 72 hours. ING-DiBa offers a fully digital application process.
What documents are required for ING-DiBa?
For a ING-DiBa loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at ING-DiBa?
ING-DiBa offers APR from 3.99% to 10.99%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 7.49% APR
Is ING-DiBa safe and regulated?
ING-DiBais a <strong>BaFin-regulated bank</strong> meeting the highest German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a ING-DiBa loan early?
Yes, ING-DiBa allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a ING-DiBa loan?
ING-DiBa also accepts applicants with moderate credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (3.99% APR)
- Schufa score > 80%: Standard rates (10.99% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at ING-DiBa: 88%
⚖️ Legal Information
ING-DiBa is a BaFin-regulated bank and meets German consumer protection standards.
Official website: https://www.ing.de
All information is sourced from the official ING-DiBa website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026