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.*
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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

Money on your own terms

Compare loans and easily manage your payment plans. Use our personal loan payment calculator with plans ranging from 6 to 60 months. The choice is yours – monthly payment plans start at €18*, putting you in charge.

Non-binding offers, individual suggestions

Let us do the work. Based on your profile, your monthly income, expenses and credit history, we calculate what a potential loan for you might look like. This is a non-binding offer that you can compare with other loans – we let you decide what’s best for you at your own pace.

Payments at your own pace

Get an overview of your monthly installments, depending on the selected payment period between 6 and 60 months. Of course, you can easily pay these back directly in the app.

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.

Loan payments, directly in your account

Regardless of whether your loan is provided through N26 or auxmoney, you will automatically receive the money into your N26 account.

N26 Metal - Charcoal Black.
Transparent N26 Standard card.
N26 You card, Petrol.

Not a customer yet? Open an N26 account in a few minutes to see if you qualify

Don’t have an N26 account yet? Open your N26 bank account in just a few minutes using your smartphone – no paperwork needed! Compare our bank accounts to find one that suits you best. Once you’re set up, go through the steps described above to check whether you qualify for a loan.

Frequently Asked Questions

How do you calculate my interest rate?

Your personal loan offer, including interest, is based on the amount you wish to borrow, the repayment period, and your credit rating. Depending on these factors, N26 Credit offers attractive interest rates starting from 1.99% p.a.

Will Schufa be informed about my loan request?

As part of your loan application, we will check your Schufa score. The request will be noted for one year in your Schufa report, but this will in no way have a negative impact on your Schufa score.

When will my loan be paid out?

Once you apply, you will receive a loan offer in real-time. Once you have reviewed our offer and want to accept it, you can electronically sign the loan agreement. Your N26 loan is usually paid out within the hour. With our partner auxmoney, you will receive the money in approximately three working days after the electronic signing of the offer. You will also receive a push message once the amount has been added to your N26 account.

What is auxmoney?

auxmoney is a credit marketplace based in Germany, which we have integrated into N26 Credit in order to be able to offer more customers loans when they need them. We chose auxmoney because the company uses a straightforward, paperless system for lending money, making the process as easy and transparent as possible.

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.