Get your loan instantly with N26 Credit
Want to buy a car, renovate your kitchen, or make that dream trip happen? Get a loan of up to €25,000 with N26 Credit in minutes and kickstart your plans. Get your quote right in the N26 app — no paperwork needed!
Want a loan? Calculate your potential payment plan now!*
How many months do you plan for the debt repayment ?
Monthly payment plan
€441.96
Total to repay
€5,303.57
11.56% p.a
Turn dreams into reality
Some plans just can’t wait. With N26 Credit, get a loan of €1,000 to €25,000 in minutes. Stay flexible with monthly payment plans ranging from 12 to 60 months, and easily keep track of your money in the N26 app. 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 less than a minute.
Your loan, your terms
With plans ranging from 12 to 60 months and effective interest rates starting at 4.06%* p.a., your loan is up to you. Easily get an idea of your possible monthly payments with the loan calculator above.
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.
Directly into your account
Once you've reviewed your payment plan and confirmed it with an electronic signature, you'll automatically receive the money into your N26 account.
Check if you qualify for a loan
You can get your loan offer in less than a minute without any obligations. Go to the Explore tab in your N26 app and scroll down to the 'Borrow' section of the money management hub. When you’ve had your N26 account for at least 90 days, you can check if you qualify for a loan under "Consumer credit".
Get a loan the simple way
N26 Credit makes getting a loan simple and transparent. Set your own monthly payment plan, ranging from 12 to 60 months.
Stay flexible with N26 Overdraft
Life’s 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 make use of your overdraft. Learn more about the available credit limits, costs, and conditions now.
Learn more
Not a customer yet? Open your N26 account in minutes
Compare our plans now and open your N26 account online — all you need is your phone, ID, and WiFi.Frequently Asked Questions
A loan is an amount of money that you borrow, which is then paid back over time with added interest on top. When you first take out your loan, you can choose how many months your loan will last, and how much you’ll have to pay back each month. With N26 Credit, you can get a personal loan of €1,000 to €25,000 directly in the N26 app, and pay it back over 12 to 60 months.
Your personal loan offer is based on the amount you’d like to borrow, the repayment period, and your credit rating. Depending on these factors, N26 Credit offers effective interest rates starting from 4.06% p.a. You can request and compare your personal loan offers in the N26 app before making a decision.
Unfortunately, we’re unable to offer you a loan without knowing your SCHUFA credit score.
If accepted, the loan request will be noted on your SCHUFA credit report for one year. But rest assured — this won't negatively impact your SCHUFA credit score.
The total amount of your N26 Credit loan depends on the details you provide, as well as your credit rating. We offer personal loans ranging from €1,000 to €25,000. Use our loan calculator on this page to calculate what your monthly payments could be.
With N26 Credit, you’ll receive your loan offer in less than a minute. Please note that this is not an instant confirmation of your loan request. Once you’ve reviewed the offer and want to accept it, you can electronically sign the loan agreement — your N26 Credit loan will usually be paid into your account instantly.
This depends on your financial situation. With N26 Credit, you can get a loan of up to €25,000 and choose a payment plan ranging from 12 to 60 months. Depending on the amount and the terms of the loan, your monthly repayments can be as little as €18.87.** To calculate how much you can afford to pay back each month, try creating a budget based on your monthly expenses.
Legal Notice
*Representative rate loan example acc. to §17 Preisangabenverordnung (PanGV).
Effective annual interest rate of 11.56% p.a., fixed nominal interest rate of 10.99% p.a., with a term of 60 months, net loan amount of €10,000, with 60 monthly installments of €217.37, and total amount €13,042.46. These conditionals are available for at least 2/3 of customers, subject to eligibility and credit rating. This example is also shown in our credit calculator. **Example for monthly payments starting at €18.41.
The example shown refers to loans provided by N26 Bank SE at Voltairestraße 8, 10179 Berlin for a loan of €1,000 at nominal interest rate of 3.99% p.a. and effective interest rate of 4.06% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €18.41. Total cost of the loan: €104.72. Total amount to be repaid: €1,104.72. The lender is N26 SE, Voltairstr. 8, 10179, Berlin, Germany.
Effective annual interest rate of 11.56% p.a., fixed nominal interest rate of 10.99% p.a., with a term of 60 months, net loan amount of €10,000, with 60 monthly installments of €217.37, and total amount €13,042.46. These conditionals are available for at least 2/3 of customers, subject to eligibility and credit rating. This example is also shown in our credit calculator. **Example for monthly payments starting at €18.41.
The example shown refers to loans provided by N26 Bank SE at Voltairestraße 8, 10179 Berlin for a loan of €1,000 at nominal interest rate of 3.99% p.a. and effective interest rate of 4.06% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €18.41. Total cost of the loan: €104.72. Total amount to be repaid: €1,104.72. The lender is N26 SE, Voltairstr. 8, 10179, Berlin, Germany.