How to get a loan?

With N26 Credit, you‌ can request a personal loan ranging from 1.000 € to 50.000 €, with a repayment period of up to 84 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 Borrow in the Finances section then 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 either the N26 app or through the Younited website.
• Receive a push message as soon as the payment has been made. In Germany, the loan amount will be typically credited to your N26 account the same working day. In France, payouts can take up to 8 working days.

We offer interest rates between 4.99% and 22.7% 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).