Rating based on 26 reviews


  • Business loans up to $3,000,000
  • Low-interest starting from 9.99%
  • Repayment up to 20 years

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ING DIRECT homepage
Author ING DIRECT. Screenshot of ING DIRECT website.
[Accessed May 2, 2023]

ING Direct - helping your business succeed

ING Bank is one of Australia’s most recommended Banks and has helped countless Australian businesses in their time of need.

Their company has paid over $12 billion in savings interest, helped to finance over 475,000 home loans and invested over $1 billion in Living Super. They have over 1.5 million customers with that number growing every day.

Why you should choose to bank with them    

At ING Bank they're there for you. They focus on giving your business the business finance it needs while striving to make banking better.

They tackle ATM fees to keep your everyday transactions low. They offer a wide range of financial products and services as well as home loans with no ongoing or monthly fees. They employ over 1000 employees and have held an Australian banking license since 1994.


They would like to make a positive contribution to helping shape the future of Australia. They do this by encouraging personal and commercial sustainability and by helping businesses grow and prosper. They balance the social, environmental and economic aspects of the business.

Their community partners that they assist include:

  • Cerebral Palsy Alliance
  • The School for Social Entrepreneurs United

Choose your interest rate

Their vision is to create a better tomorrow by empowering people and communities to create a future that is economically sustainable and creates positive change.

They help you to get ahead by giving you the necessary information that you need in order to make informed financial decisions and providing you with the resources that you need to better manage your money. Their employees believe in giving back to the community and do so by volunteering and partnering with organisations that make a difference.

What they offer

In addition to banking, they offer financial products and services such as credit cards, personal and business loans, home loans, insurance products and superannuation.

Business optimiser

A business optimiser is a high variable interest business savings account that allows businesses 24-hour access to the account. There are no hidden costs, no charges or maximum balance requirements. You'll be charged a high variable rate for the first 6 months on all your balances up to $1 million for all new clients.

Other benefits include:

  • 24-hour access to the account
  • Up to 4 card holders on the business account
  • Online banking and cell phone banking access
  • Know that your savings are guaranteed for up to $250,000 by the Australian Government

ING DIRECT – Business loan

  • Loan Type Business loans
  • Interest Rate 9.9911.9% p/a
  • Loan Amount up to $3,000,000
  • Repayment 5 years to 20 years

Benefits of ING DIRECT

  • Get the best deals on business finance
  • Commercial loans
  • Fixed interest rates
  • Competitive interest rates

Business loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This business loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

ING Direct - The business loan experts

Orange One is not like an ordinary credit card, you won’t be charged any annual fees, the interest rate is charged at a low 11.90%pa on all purchases and quick loans and a low 9.99%pa on instalments.

Pay no international transaction fees when you deposit $1,000 into your Orange Everyday credit card and make 5+ card transactions. Use your instalments to lock in a lower interest rate. Make payments easily via Apple Pay. Apple Pay is a fast, secure and convenient way to make payments. To set up your Apple Pay account, visit the Wallet App on your Apple device and follow the prompts.

There are so many different ways to bank these include:

  • Banking online
  • Mobile banking
  • Telephone banking
  • Australia Post office
  • EFTPOS and ATMs

Pay your accounts automatically 

Set up a direct debit on your account to pay your minimum repayment to ensure that you never miss a payment and don’t have to worry about being charged penalty fees and extra charges.

Insurance made simple

A living Super Account is an investment option that is customised to suit your individual needs. You can easily invest in and trade shares online. The online loan application process only takes a few minutes to complete. They'll help you set up a direct debit so that your repayments are hassle-free.

When you sign up for Living Super you'll have a once-off appointment with their investment consultant to help you answer key questions about contributions, investments and other matters.  Your Super Living Account allows you to put away money for when you retire.

Your employer will need to contribute a certain amount to this account depending on how much you earn and other factors.  You're able to make additional contributions to the fund to help boost your savings. This is a very tax-effective way to save.

What do you need to apply?

You can apply for a Super Account or business loan by completing the online application form. You'll need to supply a copy of your certified ID. You can verify your identity easily by logging onto their website and clicking on the statements tab, then click Superannuation Summary and then downloads and links. This will generate lists of who can certify your documents, or you can link your bank statements directly to your account.

What happens to your Super Account if you die?

If you die before you have a chance to cash out your Super Account, the money will be paid to the person that you have listed as your beneficiary. This information must be updated or verified every 3 years to ensure that it remains valid.

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ING DIRECT is a trusted & reliable provider of business loans

In our review, ING DIRECT adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ ING DIRECT is a registered credit provider in Australia: ACL 229823

Customer Reviews & Testimonials

I was very satisfied with ING Direct, they were able to offer me the best terms and rates for my business loan needs. Their consultants were eager to assist and very friendly.

Jennifer W
— Newcastle —

Wide range of financial services available to business owners for each of their business needs. I was able to get a business loan along with a vehicle loan for my business as well. Satisfied cust...

Alex C
— Sydney —

Great online loan application site with a very helpful loan calculator that helped me see exactly how much my loan is actually going to cost me. Very helpful online platform.

Gerald C
— Brisbane —

When my business needed to urgently replace some broken equipment I was worried about how I was going to afford it, thankfully I was able to get a business loan from ING Direct which enabled me t...

Richard K
— Canberra —


Contact Number


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Physical Address

Opening Hours

  • Monday 09:00 – 17:00
  • Tuesday 09:00 – 17:00
  • Wednesday 09:00 – 17:00
  • Thursday 09:00 – 17:00
  • Friday 09:00 – 17:00
  • Saturday – Closed
  • Sunday – Closed