N26 Installments: Buy now, pay later

Going on a spontaneous trip, buying a last-minute gift, or quickly need some extra cash? We get it—things can change fast when it comes to your money.

Free up cash in seconds with N26 Installments. Simply split eligible past purchases into monthly installments, and instantly get money back to spend how you like. No waiting, no hidden fees, no problem.

Instantly free up cash

Paid for something in the last four weeks that costs between €20 up to €1000? Split eligible purchases into three to six monthly deferred payments, and pay them back over time with an effective annual interest rate of 8.99% to 19.49%, depending on your internal credit score. We'll put the money into your account straight away, and we'll take the first installment one month later.

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No waiting, no hassle

Unlike credit cards, there’s no need to fill out long application forms or even provide extra documents. N26 Installment loans are pre-approved for eligible customers, so you can free up cash in seconds—right in your N26 app.

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Choose from a wide range of purchases

Whether you’ve booked flights, train tickets and hotel rooms, or bought electronics, furniture, and even a fabulous new statement piece—you can split a wide range of eligible purchases into installments. Best of all, you can split multiple purchases—as long as the total is less than €1000. We’ll send you an alert if you’ve made an eligible purchase, so you can get started right away. For more information, dive into the T&Cs.

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100% transparency at every step

Let’s face it—nobody likes hidden fees. Enjoy no set-up fees, no service fees, and no late fees with N26 Installments. You’ll get an upfront overview of the effective annual interest rate and monthly payments before you go ahead—and we’ll always send you a reminder before your payment’s due. You’re always in control.

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Getting started is easy

To split an eligible purchase*, open your N26 app and follow these steps:

  1. Go to the ‘Explore’ tab and scroll down to ‘Financial Products’
  2. Select ‘N26 Installments’ and tap ‘Split a purchase’
  3. Confirm your payment plan — and that’s it!

We'll pay you the full amount right away, and we'll take the first installment a month later. Don't see N26 Installments in your app?** Try updating it to the latest version.

*Disclaimer: For illustration purposes only. The effective annual interest rate range is from 8.99% to 19.49%, depending on the internal credit score.

**N26 Installments is currently only available for eligible customers who opened their account in Germany. If you can’t find it yet, please update your app to the latest version, keep using your N26 account, and check again later to see if you’re eligible.

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Flexible banking at your fingertips

Smart features like N26 Installments are just one of the reasons over 7 million customers choose to bank with N26. Manage your money like a pro with one of our premium bank accounts, or try N26 Standard, our free bank account. Ready to discover digital banking? Sign up now in minutes—directly from your phone!


How does N26 Installments work?

N26 Installments allows you to split eligible purchases that you've made in the last four weeks, and instantly free up cash. Split eligible past purchases with a value from €20 to €1000 into smaller installments, and pay them back over three to six months with an effective annual interest rate ranging from 8.99% to 19.49%. We'll put the full amount into your account immediately, and you'll pay the first installment a month later.

Which purchases are eligible for installment loans?

N26 Installments is available for a wide range of eligible purchases from €20 up to €1000 across multiple categories like electronics, fashion, furniture, flights, train tickets, and more. You’ll also be notified in the N26 app once you’ve made an eligible purchase that can be split into installments.

How do I split purchases?

To split a purchase, go to the ‘Explore’ tab in your N26 app and scroll down to ‘Financial Products’. Select ‘N26 Installments’ then tap on ‘Split a purchase’ to set up the payment plan for your installment loan. Once you've confirmed your installment loan, we'll pay the money into your account, and we'll take the first payment one month later.

Can I split several purchases?

Yes. You can split several past purchases, as long as the total repayment amount is less than the available credit limit of €1000. You’ll enter into a new loan contract for each purchase you split.

How and when do repayments happen?

Your first payment will be paid automatically from your main account one month after you confirm the payment plan for your installment loan. The remaining payments will then be taken on the due date each month. To help keep you on track, we'll send you a reminder one day before each payment is due.

What happens if I miss a payment?

You’ll receive a reminder one day before your next payment is due, and we’ll keep sending you reminders if you miss a payment. You won’t be charged a late fee or any additional interest, and we’ll try to charge the outstanding amount again after your missed payment date. You can always manually make a payment at any time by tapping on ‘Missed payments’ in the N26 Installments section of your N26 app.

Can I pay off my installment loans earlier?

Yes, you can pay off your installment loans at any time. Simply head to the ‘N26 Installments’ section in your N26 app, select the purchase, and tap on ‘Repay full amount’ to fully pay off your installment loan.

Why can’t I see this offer in my app?

N26 Installments is currently only available for eligible customers who’ve opened their account in Germany and their eligibility is based on their transaction history. If you’re eligible, you’ll find the product under your ‘Explore’ tab in the N26 app. If you can’t find it yet, please keep using your N26 account and check again in a few months to see if you’re eligible.

If you find N26 Installments in your app but can't see any purchases to split, your transactions in the past 4 weeks might not meet the eligibility criteria for this feature.

What are Installment Payments?

Installment payment (also known as part payment or installment purchase) is a financing method that allows you to split a purchase price into several smaller amounts, called installments. This way, you pay off the purchase price over a set period of time. It enables you to acquire products or services without having to pay the full amount all at once. Instead, you make payments in small, regular intervals, typically monthly.

How do installment payments work?

An installment payment is a flexible payment method that allows you to split the purchase price into several smaller amounts. You then pay these in regular intervals, usually monthly. Thanks to this payment option, you can finance larger expenses over an extended period and don't have to pay the full amount immediately

Does N26 offer a credit card with installment payment without credit check?

Currently, N26 does not offer credit cards. With an N26 account, you receive a Mastercard debit card, which allows for immediate payments and withdrawals from your account – with the free N26 Standard account, you get a Virtual Card (Mastercard) and with N26 Smart, You, and Metal, a physical debit card. In addition, N26 offers installment payments for qualified purchases, which you can benefit from if you meet the usage criteria. Depending on your creditworthiness, you will receive an effective annual interest rate between 8.99% and 19.49% – you can also choose a repayment period between 3 to 6 months.