Why didn’t I get the loan or the terms I expected?

If you followed all the application steps but didn’t receive an N26 Credit offer, it means the information currently available didn’t meet our eligibility criteria or support a positive assessment of your creditworthiness.

This could be because:

• Your account is new or has limited history.
• We have insufficient income information.
• Your credit information obtained from credit reference agencies shows existing payment issues.

You can try again later—changes in your financial situation or account activity may lead to a different outcome.

If you received an offer but the amount, duration, or interest rate are different from what you expected, it means that, based on the information currently available—including your estimated repayment capacity—we can only offer the loan terms shown in your N26 app.

Your eligibility and loan terms are determined automatically based on an assessment of your financial situation and creditworthiness. This assessment combines statistical analysis and factual checks, including:

• Your N26 account activity (incoming/outgoing payments, repayment history)
• Your income and expenses (to estimate repayment capacity)
• Your external credit information from credit reference agencies (credit rating, payment defaults)
• Other eligibility criteria (how long your account has been open, any legal restrictions)

These checks help us make responsible lending decisions in line with our internal credit policies and risk appetite, ensuring that credit is provided fairly and sustainably.

For more details about how we process your personal data and your rights, please see our Privacy Policy (new tab).

If you believe an automated decision was incorrect, you can:

• Request a human review
• Express your point of view
• Contest the outcome

To do so, contact us.

Please note: We can only discuss account-related matters if you contact us from the email address registered to your N26 account or by replying to us in Messages from N26 in the app.