Get extra financial flexibility with N26 Installments

Stay flexible with N26 Installments. Simply choose an eligible past purchase to split into installment loans—the amount will be instantly transferred back into your account so you can spend it on what you need. Enjoy 100% transparency every step of the way, and absolutely no late fees.

Image of a mobile displaying N26 Installments loans application.

Split a past payment, and pay it back later

Need extra funds fast? Simply split eligible past purchases and instantly free up funds with N26 Installments. If you’ve bought something between €50 to €500 in the last 4 weeks (starting from July 1, 2021), simply split up this amount into chunks, and pay your installment loans back with an annual interest rate of 7.49% to 11.99% over a time period of your choice—from 3 to 6 months. It’s your money, so you decide.

Extra flexibility when you need it

Decided to go on a spontaneous weekend trip, need to buy a last minute birthday gift, or suddenly fly home to be with family? We get it—things can change fast sometimes when it comes to your money. Thankfully, if you need to readjust your budget for unexpected costs, N26 Installments gives you the flexibility to split a past purchase into installment loans to free up cash right away.

The image shows a collage of 4 photos with a mother and a son celebrating a birthday, a couple traveling, a dinner, and couple renovating a room.

A wider selection of merchants

With N26 Installments, you can choose from a range of past transactions, and split them into installment loans. Pick from an even wider selection of merchants, with purchases made across categories like electronics, plane and train tickets, fashion, and even furniture from your favorite vendor down the road. For more information about eligible purchases that you can split, please view the T&Cs.

Link to T&Cs

100% transparency, and no late fees

You should always have full transparency when it comes to your money. And if you decide to split a past purchase into installments, you’ll always get an upfront overview of interest rates and costs before you proceed. There are no additional fees, and we won’t charge you for late payments on your installment loans. You’re always in control.

The image shows a preview of the financial product N26 installment loans with the price paid for a dining table, the interest rate, number of installments, and the total amount.

How can I get started with installment loans?

To split a purchase, open your N26 app and follow these steps:

  1. Head to the ‘Explore’ tab and the ‘Financial Products’ section.

  2. Go to ‘N26 Installments and follow the prompts to select an eligible purchase.

  3. Tap on ‘Split a purchase,’ and confirm your installment loans plan.

You'll be instantly reimbursed the original cost of your purchase—minus your first installment amount. It’s important to remember to update your app so that you’re running the latest version.

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

Flexible banking—at your fingertips

Join over 7 million customers that choose to bank with N26. Pick one of our premium plans packed with intelligent features, or opt for a free N26 bank account. Sign up online directly from your smartphone in minutes, without paperwork. It’s fast, simple, and easy!


How does N26 Installments work?

Which purchases are eligible to split into installment loans?

How do I split purchases?

Can I split several purchases?

How and when do installment loans repayments happen?

What if I miss a payment?

Can I pay my installment loans off early?

Why can’t I see this offer in my app?