Extra funds when you need it
Buy now, pay later with N26 Installments. Split eligible past purchases into monthly payments, and instantly free up cash to spend how you like*.Open Bank Account
Buy now, pay later
Zero paperwork
No need to fill out long forms or provide extra documents. Manage everything 100% online.
Transparent costs
No hidden fees. Get a clear breakdown of costs and repayment options.
Money in minutes
Get a quote instantly and the money in your account right away.
*N26 Installments is currently only available for eligible customers who opened their account in Spain. 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.
The annual percentage rate range is from 8.99% to 16.49%, depending on the internal credit score.
Credit and loan products are not free of financial risks. Make sure that you are financially able to repay the credit before you apply.
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 up to €200 into smaller installments, and pay them back over three to six months with an annual percentage rate ranging from 8.99% to 16.49%. We'll put the full amount into your account immediately, and you'll pay the first installment a month later.
N26 Installments is available for a wide range of eligible purchases from €20 up to €200 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.
Yes. You can split several past purchases, as long as the total repayment amount is less than the available credit limit of €200. You’ll enter into a new loan contract for each purchase you split.
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.
N26 Installments is currently only available for eligible customers who’ve opened their account in Spain 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.