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.

Home Background Image - N26 Credit.
I'd like
to
and pay back over
Great! Here's what your credit plan may look like.*
Monthly payment of.Monthly payment of.Monthly payment of.Monthly payment of.Monthly payment of.Monthly payment of.Monthly 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

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.

You can get your loan offer in just a few minutes without any obligations. Go to the "Explore" tab in the app and scroll down to the financial products section. Under the heading "Credit," you can check your credit rating within seconds. We’ll make an individual offer for you – take your time to review it.

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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.

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.