How to get a loan?

N26 has chosen Younited as a partner to offer consumer loans ranging from €1,000 to €50,000 in France. Younited is a credit institution approved and supervised by the European Central Bank and the Bank of France.

You can apply for a loan at any time from your app under the Discover section, then Borrow or Finances, then Extra funds. You will then be redirected to our partner Younited.

• Loan amount: from €1,000 to €50,000
• Annual Percentage Rate (APR) fixed (as of October 3, 2024): from 8.28% to 22.7%
• Repayment period: between 6 and 84 months

• You will receive a loan offer a few minutes after submitting your application.
• If you accept it, the loan approval is generally instantaneous. However, it may take up to 24 hours.
• Funds are transferred to your N26 bank account, or another account of your choice, within 7 to 14 days after the electronic signature of the contract.

Important: You have a right of withdrawal of 14 calendar days from the date of signing the loan offer.

Your loan offer, as well as the interest rate, depends on the amount you wish to borrow, the repayment period, and your creditworthiness. Based on these factors, Younited offers APRs ranging from 8.28% to 22.7% (as of October 3, 2024) and a loan term between 6 and 84 months.

With Younited, your personal loan offer is generated in real time. After reviewing and accepting the offer, you can electronically sign the loan contract. Funds are generally transferred within 7 to 14 days after signing the contract.

N26 does not participate in any way in the loan application or approval process. Additionally, the loan approval process and repayment plan are entirely managed by Younited. We do not have access to your file. We invite you to consult Younited's help center (new tab) (in French).

Younited is a leading player in instant credit in Europe. The company is a credit institution, approved and supervised by the European Central Bank and the Bank of France. We have chosen Younited as our credit partner in France because they also offer a simple and paperless system for granting loans. They simplify everything for you.

Younited S.A. is a French company located at 21 rue de Châteaudun - 75009 Paris and registered with the RCS of Paris under the unique number 517 586 376.

A credit loan is a binding commitment and shall be reimbursed. Please check your ability to reimburse before committing yourself. Younited is authorised as a credit institution and Investment Services Provider by the French Prudential Control and Resolution Authority (ACPR, approval number: 16488)

A credit loan is granted subject to final acceptance by Younited after examination of your credit application. You have a right of withdrawal of 14 calendar days from the signing of the loan contract offer. If your application is definitively accepted, Younited will process your data as data controller, as outlined in the Younited Privacy Policy.

Younited: A public limited company with a Management Board and Supervisory Board with capital of €1,861,342 - Head office: 21 rue de Châteaudun – 75009 PARIS – RCS de Paris 517 586 376 – ORIAS number 11061269 – Younited.com

*The interest rate offered depends on several factors: the amount you wish to borrow, the repayment period and your creditworthiness. Depending on these factors, Younited offers fixed effective borrowing rates (APR) which vary from 8.28% to 22.7% and with a loan duration of between 6 and 84 months.

Example of a personal loan for a total amount of €10,000 repayable in 84 monthly instalments of €155.77 (excluding optional insurance). Fixed Annual Percentage Rate (APR) of 8.28% (excluding optional insurance). Fixed borrowing rate of 5.65%. Service charge of 7% for a total amount of €785.9. Total cost of borrowing: €3,084.66. Total amount owed by the borrower: €13084.66. The monthly cost of the Death-Total and Irreversible Loss of Autonomy-Interruption of Work due to Accident or Illness-Loss of Employment insurance is €27.85, i.e. an Annual Effective Rate of Insurance (AEIR) of 5.87% and a total amount due of €2,339.4, and is added to the monthly loan repayments. The first instalment is due between 30 and 60 days after the funds have been made available, with instalments taken on the 4th of each month. Offer valid for applications made between 18:01 on 3/10/2024 and 23:59 on 31/12/2024.

Un crédit vous engage et doit être remboursé. Vérifiez vos capacités de remboursement avant de vous engager.” Younited est agréé en tant qu’établissement de crédit – Prestataire de Services d’Investissement par l’Autorité de Contrôle Prudentiel et de Résolution (ACPR, n° d’agrément : 16488). 

Le financement est accordé sous réserve d’acceptation définitive par Younited après l’étude de votre dossier. Vous disposez d’un droit de rétractation de 14 jours calendaires révolus à compter de la signature de l’offre de contrat de prêt. Younited : SA à Directoire et Conseil de Surveillance au capital de 1 861 342€ - Siège social : Siège social : 21 rue de Châteaudun – 75009 PARIS – RCS de Paris 517 586 376 – Numéro ORIAS 11061269 – Younited.com