How to get a loan?

In Germany, N26 offers personal loans ranging from €1,000 to €25,000, tailored to meet the needs of our customers with flexibility and convenience. Apply and manage your loan directly through the N26 app. Here’s what you need to know:

• Loan Amounts: €1,000 to €25,000
• Repayment Periods: 12 to 60 months
• Interest Rates: Starting at 5.11% per annum. The rate depends on your credit rating and loan details.
• Application Process: Fast and paperless, receive a loan offer in less than a minute.
• Funding Speed: Once signed, the loan amount is typically deposited instantly into your N26 account.
• Credit Score: A SCHUFA credit score is required. The loan request will be noted on your SCHUFA credit report for one year if accepted but won't negatively impact your score.

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 5.11% 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 (new tab) 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 (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 AG 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 5.11% 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 AG, Voltairstr. 8, 10179, Berlin, Germany.