Get your loan instantly with N26 Credit
Want to build your own camper van, renovate your kitchen, or plan your dream wedding? Whatever your dream, get a loan of up to €25,000 with N26 Credit in minutes and kickstart your goals. Use our loan calculator in the N26 app to get your quote now — no paperwork needed!
Want a loan? Calculate your potential payment plan now!*
How many months do you plan for the dept repayment ?
Monthly payment plan
€431.54
Total to repay
€5,178.48
6.69% p.a
Turn dreams into reality today
Why wait for the future when you can start now? With N26 Credit, get a loan of €1,000 to €25,000 in minutes with zero paperwork. Use the loan payment calculator in the N26 app to find a quote that suits you best, and start living your dreams.Stay flexible with monthly payment plans ranging from 12 to 60 months, and easily keep track of your money with our free mobile bank account. It's really as simple as that.
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 minutes.
Your loan, your terms
With plans ranging from 12 to 60 months and effective interest rates starting at 6.69% p.a., your loan is up to you. Easily check and adjust your monthly payments with the loan calculator in the N26 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
Once you have reviewed your payment plan and confirmed it with an electronic signature, you will automatically receive the money into your N26 account.
Get your non-binding loan offer in just a few minutes
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.
Your fast, easy N26 Credit loan
We offer clear and frictionless consumer credit loans to help you with whatever you need — from getting extra cash for your studies to buying your dream car. N26 Credit is designed to make the process as easy as possible, with a payment plan to set out monthly installments that suit you.
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Stay flexible with N26 Overdraft
Life is 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 actually make use of your overdraft. Learn more about the available credit limits, costs, and conditions now.
Not a customer yet? Open your N26 account in minutes
Ready to try N26 Credit? Compare our plans now and open your N26 account online in minutes — all you need is your phone, ID, and some WiFi. It’s time to turn your dreams into reality with N26 Credit.Frequently Asked Questions
- How do loans work?
- How does N26 calculate my loan interest rate?
- Can I get a loan without a credit rating?
- Will my loan request be shown on my Schufa credit score?
- How much money will I get?
- How long does it take N26 to grant my loan request?
- How big of a loan can I afford?
Legal Notice
Representative fixed rate loan example acc. to § 16 Preisangabenverordnung (PanGV).
Example for monthly payments starting at €19.56
The example shown refers to loans provided by N26 Bank AG at Voltairestraße 8, 10179 Berlin for a loan of €1,000 at nominal interest rate of 6.49% p.a. and effective interest rate of 6.69% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €19.56. Total cost of the loan: €173.60. Total amount to be repayed: €1,173.60.
Example for Credit calculator
The example shown refers to loans provided by N26 Bank AG at Voltairestraße 8, 10179 Berlin for a loan of €5,000 at nominal interest rate of 6.49% p.a. and effective interest rate of 6.69% p.a. to be reimbursed over the period of 12 months. Monthly instalments: €431.46. Total cost of the loan: €177.52. Total amount to be repayed: €5,177.52.