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
Choose between nominal or effective interest rates
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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A few clicks away from an offer

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

Regardless of whether your loan is provided by N26 or auxmoney, it will automatically be deposited 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 digitally within and create 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

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.