N26 Credit – Turn next year's dreams into today's reality

Get an instant quote on a loan between €1.000 and €50.000 directly in your N26 app. Sign digitally and get paid directly into your N26 account. There's no paperwork – N26 Credit gives you more, without the hassle.
Great! Here's what your credit plan may look like.*
How many months do you plan for the dept repayment ?
Monthly payment of


Total to repay


5.63% p.a


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A painless process

Let us do the hard work. We’ll make an offer based on your profile and credit history.

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Compare plans without committing

We give you an offer immediately. The final approval after you confirmed your choice will take less than 24 hours.

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Pay at your own pace

Pick a payment period between 6 and 72 months and pick your monthly payment amount

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Paperless application and confirmation

Make your plan official with a digital signature. We’ll never send you boxes of paperwork.

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Deposited directly into your account

Even though your loan is coming from Younited Credit, it will be deposited automatically into your N26 account

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Automatic payments, right in your N26 app

Keep your finances in one place and never miss a payment.

n26 standard card.
n26 metal card.
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Open an N26 account in minutes and see if you qualify

Frequently Asked Questions

  • How do you calculate my interest rate?
  • What is the approval process to get a loan?
  • What is Younited Credit?

*Example of a personal loan for a total amount of €1,000, repayable in 72 monthly instalments of €15.35 (excluding optional insurance). Fixed annual percentage rate (APR) of 6.83% (excluding optional insurance). Fixed borrowing rate of 3.35%. Fees of €90.00. Total cost of borrowing: €195.20 (including service fees). Total amount owed by borrower: €1105.20. The monthly cost of insurance in case of death, permanent incapacity, loss of earnings owing to an accident or illness and periods of unemployment is €1.50, giving an effective annual interest rate of 3.62% and making the total amount owed €108.00. This is added to the monthly loan repayments. The first repayment date is between 30 and 60 days from the receipt of loan funds and the monthly instalments are collected on the fourth of each month. Offer valid as of 29/11/2017.