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.

I'd like
to
and pay back over
Great! Here's what your credit plan may look like.*
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Monthly payment of
€426.89
For 12 months
€5,122.68
Total to repay
4.59% p.a
Choose between nominal or effective interest rates
Money on your own terms - N26 Credit

Money on your own terms

Easily manage payment plans, with plans ranging from 6 to 72 months. The choice is yours—monthly payment starts at €15,35*, putting you in charge.

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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.

Get an offer immediately — before signing a thing

It’s all a matter of a few swipes. We check your profile and credit history in seconds digitally and make you the best offer possible, without any commitment.

Get an offer instantly - N26 Credit

Open an N26 account in 8 minutes and see if you qualify

Frequently Asked Questions

How do you calculate my interest rate?

Your personal loan offer, including interest rate, is based on several factors: The amount you want to borrow, the repayment time frame, and your creditworthiness. Depending on these factors, N26 Credit offers effective interest rates ranging from 3,6% to 15.96% and for periods going from 6 to 72 months.

What is the approval process to get a loan?

You’ll receive a pre-approval right after your N26 Credit application and a final approval will follow within 24 hours. To confirm your loan, you’ll need to give us an e-signature. Then you’ll receive the loan a few days later directly in your N26 account.

When will the loan be paid out?

With N26 Credit, we prepare your personal loan offer in real time. Once you have reviewed the offer and decided to accept, you can electronically sign the loan agreement. You should receive your money within 7 to 13 days. We’ll also send you a push notification once the loan has been deposited into your N26 account.

What is Younited Credit?

Younited Credit is the only European consumer lending platform to be fully authorized and regulated as a credit institution. We selected Younited Credit to be our N26 Credit partner in France because they also have a simple and paperless system for giving loans. So they keep things simple for you.

*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.