A loan is an amount of money that you borrow, which is then paid back over time with added interest on top. When you first take out your loan, you can choose how many months your loan will last, and how much you’ll have to pay back each month. With N26 Credit, you can get a personal loan of €1,000 to €25,000 directly in the N26 app, and pay it back over 12 to 60 months.

How does N26 calculate my loan interest rate?

Your personal loan offer is based on the amount you’d like to borrow, the repayment period, and your credit rating. Depending on these factors, N26 Credit offers effective interest rates starting from 4.06% p.a. You can request and compare your personal loan offers in the N26 app before making a decision.

Can I get a loan without a SCHUFA credit score?

Unfortunately, we’re unable to offer you a loan without knowing your SCHUFA credit score.

Will my loan request be shown on my SCHUFA credit score?

If accepted, the loan request will be noted on your [SCHUFA credit report](https://n26.com/en-de/blog/how-to-get-schufa-score) for one year. But rest assured — this won't negatively impact your SCHUFA credit score.

How much money will I get?

The total amount of your N26 Credit loan depends on the details you provide, as well as your credit rating. We offer personal loans ranging from €1,000 to €25,000. Use our loan calculator on this page to calculate what your monthly payments could be.

How long does it take N26 to grant my loan request?

With N26 Credit, you’ll receive your loan offer in less than a minute. Please note that this is not an instant confirmation of your loan request. Once you’ve reviewed the offer and want to accept it, you can electronically sign the loan agreement — your N26 Credit loan will usually be paid into your account instantly.

How big of a loan can I afford?

This depends on your financial situation. With N26 Credit, you can get a loan of up to €25,000 and choose a payment plan ranging from 12 to 60 months. Depending on the amount and the terms of the loan, your monthly repayments can be as little as €18.87.** To calculate how much you can afford to pay back each month, try [creating a budget based on your monthly expenses](https://n26.com/en-de/blog/how-to-budget-for-household-expenses).

Get a simple, transparent loan with N26 Credit

Want to buy a car, renovate your kitchen, or make that dream trip happen? Get a loan of up to €25,000 with N26 Credit and kickstart your plans. Get your quote right in the N26 app — no paperwork needed!

Open bank account

Notification of N26 Credit next to a hand holding a smartphone displaying the N26 app with credit information, with a breakfast table in the background.

Want a loan? Calculate your potential payment plan now!*

How many months do you plan for the debt repayment ?

Monthly payment plan

€441.96

Total to repay

€5,303.57

11.56% p.a

Nominal

Effective

Turn dreams into reality

Some plans just can’t wait. With N26 Credit, get a loan of €1,000 to €25,000. Stay flexible with monthly payment plans ranging from 12 to 60 months, and easily keep track of your money in the N26 app. Simple as that.

Loan breakdown from N26 showing a borrowing amount of €5,500.00 with loan fees of €290.43 at 4.99% nominal and 5.11% APR. The total to repay is €5,790.43 over 24 months at €241.27 per month.

Get a quote instantly

Whether it’s for your studies or a well-deserved break, find the perfect loan with N26 Credit. Get your individual, non-binding loan offer based on your profile and credit history in less than a minute.

Your loan, your terms

With plans ranging from 12 to 60 months and effective interest rates starting at 4.06%* p.a., your loan is up to you. Easily get an idea of your possible monthly payments with the loan calculator above.

Paperless and transparent

After careful review, confirm your payment plan with an electronic signature. Avoid paperwork while still keeping track of your finances with our transparent loans.

Directly into your account

Once you've reviewed your payment plan and confirmed it with an electronic signature, you'll automatically receive the money into your N26 account.

Check if you qualify for a loan

When you’ve had your N26 account for at least 90 days, you can check if you qualify for a loan. Go to the Finances tab in your N26 app and select ‘Extra Funds’ to get started.

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Get a loan the simple way

N26 Credit makes getting a loan simple and transparent. Set your own monthly payment plan, ranging from 12 to 60 months.

Person at the bridge railing who uses a smartphone.

Stay flexible with N26 Overdraft

Life’s full of surprises — and we know that sometimes, you can fall into the red towards the end of the month. That’s why you can activate an overdraft for your N26 account with a few taps, and adjust the limits as you go. Of course, we’ll only charge interest if you make use of your overdraft. Learn more about the available credit limits, costs, and conditions now.

Learn more

A phone screen displays an overdraft overview, showing €1,750 with a calculation for an overdraft of €250 over 30 days, resulting in a €2.75 fee. Nearby, a hand holds a set of dominoes, with an N26 card and a bowl of snacks visible in the background.

Not a customer yet? Open your N26 account in minutes

Compare our plans now and open your N26 account online — all you need is your phone, ID, and WiFi.

Compare accounts

Open bank account

Frequently Asked Questions

A loan is an amount of money that you borrow, which is then paid back over time with added interest on top. When you first take out your loan, you can choose how many months your loan will last, and how much you’ll have to pay back each month. With N26 Credit, you can get a personal loan of €1,000 to €25,000 directly in the N26 app, and pay it back over 12 to 60 months.
Your personal loan offer is based on the amount you’d like to borrow, the repayment period, and your credit rating. Depending on these factors, N26 Credit offers effective interest rates starting from 4.06% p.a. You can request and compare your personal loan offers in the N26 app before making a decision.
Unfortunately, we’re unable to offer you a loan without knowing your SCHUFA credit score.
If accepted, the loan request will be noted on your SCHUFA credit report for one year. But rest assured — this won't negatively impact your SCHUFA credit score.
The total amount of your N26 Credit loan depends on the details you provide, as well as your credit rating. We offer personal loans ranging from €1,000 to €25,000. Use our loan calculator on this page to calculate what your monthly payments could be.
With N26 Credit, you’ll receive your loan offer in less than a minute. Please note that this is not an instant confirmation of your loan request. Once you’ve reviewed the offer and want to accept it, you can electronically sign the loan agreement — your N26 Credit loan will usually be paid into your account instantly.
This depends on your financial situation. With N26 Credit, you can get a loan of up to €25,000 and choose a payment plan ranging from 12 to 60 months. Depending on the amount and the terms of the loan, your monthly repayments can be as little as €18.87.** To calculate how much you can afford to pay back each month, try creating a budget based on your monthly expenses.

Legal Notice

*Representative rate loan example acc. to §17 Preisangabenverordnung (PanGV).Effective annual interest rate of 11.56% p.a., fixed nominal interest rate of 10.99% p.a., with a term of 60 months, net loan amount of €10,000, with 60 monthly installments of €217.37, and total amount €13,042.46. These conditionals are available for at least 2/3 of customers, subject to eligibility and credit rating. This example is also shown in our credit calculator.

**Example for monthly payments starting at €18.41.The example shown refers to loans provided by N26 Bank SE at Voltairestraße 8, 10179 Berlin for a loan of €1,000 at nominal interest rate of 3.99% p.a. and effective interest rate of 4.06% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €18.41. Total cost of the loan: €104.72. Total amount to be repaid: €1,104.72.

The lender is N26 SE, Voltairstr. 8, 10179, Berlin, Germany.

Standard

Smart

Go

Metal

Aura

Business Standard

Business Smart

Business Go

Business Metal

Private retirement account

Get a simple, transparent loan with N26 Credit