What to do if I can't repay my overdraft or loan?

We offer repayment plans if you can’t repay your overdraft or loan with N26 Credit. This could happen because your overdraft was cancelled or you need more than two months to repay your negative amount.

Please note we can't offer you a repayment plan if your account is already closed.

Here’s how it works: chat with us and propose a detailed plan on how you’re going to pay back your overdraft or loan in instalments, such as a certain amount every month until your loan is paid off. We don’t accept offers of simply paying back the whole sum at a later date.

We will then either accept, reject, or propose an alternative plan. It’s then up to you to confirm it.

By the way: your account will be closed if it’s negative for an extended period of time. All closure dates are final unless you pay back your loan before this date. If not, your debt will go to a collection agency.

The above only applies to loans with N26. For auxmoney (+49 211 737 100 020) or Younited Credit (+33 1 78 42 53 99) loans, please contact the appropriate partner directly.