N26 Credit – Turn next year's dreams into today's reality

Get an instant quote on a loan between €1.000 and €25.000 directly in your N26 app. Sign digitally and get paid directly into your N26 account. There's no paperwork – N26 Credit gives you more, without the hassle.

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I'd like
to
and pay back over
Great! Here's what your credit plan may look like.*
Monthly payment ofMonthly payment ofMonthly payment ofMonthly payment ofMonthly payment ofMonthly payment ofMonthly payment of
Monthly payment of
€426.89
For 12 months
€5,122.68
Total to repay
4.59% p.a
Manage Payment Plans - N26 App

Money on your own terms

Easily manage payment plans, with plans ranging from 6 to 60 months. The choice is yours—monthly payment starts at €18*, putting you in charge.

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An offer in 5 questions

Let us do the hard work. We’ll make an offer based on your profile and credit history.

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Compare plans without committing

We give you an offer immediately. The final approval after you confirmed your choice will take less than 24 hours.

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Pay at your own pace

Pick a payment period between 6 and 60 months and pick your monthly payment amount.

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Paperless application and confirmation

Make your plan official with a digital signature. We’ll never send you boxes of paperwork.

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Deposited directly into your account

Even though your loan is coming from auxmoney, it will be deposited automatically into your N26 account

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Automatic payments, right in your N26 app

Keep your finances in one place and never miss a payment.

Get an offer instantly—before signing a thing

It’s all a matter of a few swipes. We check your profile and credit history in seconds digitally and make you the best offer possible, without any commitment.

N26 Credit Offer - N26 App

Open an N26 account in 8 minutes and see if you qualify

Frequently Asked Questions

How do you calculate my interest rate?

Your personal loan offer, including interest rate, is based on several factors: The amount you want to borrow, the repayment time frame, and your creditworthiness. Depending on these factors, N26 Credit offers effective interest rates starting from 1,99% p.a. You will be able to review your personal loan offer before you commit to anything.

Will you inform Schufa about my loan request?

During your N26 Credit application, we will check your Schufa score, regardless of whether we already have Schufa information about you on record or not. This request will show in your Schufa report for 1 year, but it does not have a negative impact on your overall Schufa score.

When will the loan be paid out?

With N26 Credit, we prepare your personal loan offer in real time. Once you have reviewed the offer and decided to go for it, you can electronically sign the loan agreement. If your loan is with N26 Credit, you’ll usually receive your money within one hour after the electronic signature. With auxmoney, it takes about 3 business days. You will receive a push notification once the loan has been deposited into your N26 account.

What is auxmoney?

auxmoney is a loan marketplace based in Germany that we have integrated into N26 Credit to be able to offer more people the loans that they need. We selected auxmoney because they also have a simple and paperless system for distributing loans, and are also dedicated to making this process easy.

Can I get a loan to be a freelancer or be self-employed?

Yes, you can get an N26 Credit loan to become a freelancer or go into business for yourself as a self-employed person.

Legal Notice

Representative fixed rate loan example acc. to § 6a Preisangabenangabenverordnung.

Example for monthly payments starting at €18

The example shown refers to loans provided by N26 Bank GmbH at Klosterstraße 62 in 10179, Berlin for a loan of €1.000 at nominal interest rate of 1,99% p.a. and effective interest rate of 2,01% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €17,52. Total cost of the loan: €51,46. Total amount to be repayed: €1.051,46.

Example for Credit calculator

The example shown refers to loans provided by N26 Bank GmbH at Klosterstraße 62 in 10179, Berlin for a loan of €5.000 at nominal interest rate of 4,5% p.a. and effective interest rate of 4,6% p.a. to be reimbursed over the period of 48 months. Monthly instalments: €114,02. Total cost of the loan: €473,18. Total amount to be repayed: €5.473,18.