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.
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.
Let us do the hard work. We’ll make an offer based on your profile and credit history.
We give you an offer immediately. The final approval after you confirmed your choice will take less than 24 hours.
Pick a payment period between 6 and 60 months and pick your monthly payment amount.
Make your plan official with a digital signature. We’ll never send you boxes of paperwork.
Regardless of whether your loan is provided by N26 or auxmoney, it will automatically be deposited into your N26 account
Keep your finances in one place and never miss a payment.
It’s all a matter of a few swipes. We check your profile and credit history digitally within and create the best offer possible, without any commitment.
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.
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.
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.
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.
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.