How to get a loan?

N26 Credit is available in Austria through N26 and offers you a personal loan ranging from 1.000 € to 15.000 €, with a repayment period of up to 60 months.

Please note that the amounts, rates, and repayment durations may vary depending on the country.

• Request a loan at any time directly in the app into the Benefits section then Borrow, and in the Finances tab > Extra funds: We’ll ask you a few questions about the loan and your creditworthiness.
• Edit your answers during the application process: Once you’re happy with your loan application, send it to us in real-time and we’ll make you a binding offer that you can delete or accept. Otherwise applications expire in 90 days and you won’t be able to request another loan during that time.
• Confirm your loan: If you accept our offer, you’ll have to sign the contract electronically through your N26 app.
• Receive a push message as soon as the payment has been made. In Austria the loan amount will be typically credited to your N26 account the same working day.

We offer interest rates between 5.99% and 15.99% p.a. If you change your plan or are in default of your monthly payments, additional fees may apply.

For more information, see the N26 Credit T&Cs (new tab).

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 €15,000 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 5.99% 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 CRIF 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 €15,000. 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 €15,000 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 (new tab).

*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 €18.87. 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 4.99% p.a. and effective interest rate of 3.99% p.a. to be reimbursed over the period of 60 months. Monthly instalments: €18.87. Total cost of the loan: €132.20. Total amount to be repaid: €1,132.20.

The lender is N26 SE, Voltairstr. 8, 10179, Berlin, Germany.