How to get a loan?

With N26 Credit, you‌ can request a personal loan ranging from €1000 to €50000, with a repayment period of up to 72 months. N26 Credit is available in Germany through N26 and in France through our partner, Younited Credit.

For Younited Credit, you'll receive a referral link that will take you from the app to continue the process with Younited.

• Request a loan at any time directly in the app into the Explore section then N26 Financial Products : We’ll ask you a few questions about the loan and your creditworthiness (you’ll need to provide additional online banking information for your main account if you’ve used N26 for less than 6 months).
• 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 either have to sign the contract electronically through a video call or confirm via SMS message.
• Receive a push message as soon as the payment has been made: In Germany, the loan amount will be credited to your N26 account within 5-7 working days. In France, payouts can take up to 8 working days.

We offer interest rates between 5.0% and 21.98% 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).