N26 Credit: How to get a loan offer
(Applies to Germany and France only)
With N26 Credit, you can request an offer for a personal loan of between 1,000 euros and 40,000 euros with a repayment term of between 12 and 84 months at any time directly in the N26 app. If you opt for an offer, the amount will be credited to your N26 account within a few minutes.
In order to give you the best possible offer, we work with credit specialists, in Germany with auxmoney and in France with Younited Credit. The loan amounts and repayment options may differ depending on the provider, as you can see from the respective margins directly in your N26 app.
To get to N26 Credit, swipe your transaction list to the right. First, state how much money you want to borrow, what you need it for, and how you rate your personal and financial situation. In addition, N26 also needs information about your Schufa credit score, your monthly income, and your financial situation. If you have used N26 for more than 3 months as a salary account, we will be able to see everything we need to make an offer. Otherwise, you can give us an insight by logging in securely to your main account at another bank. You can find out more about this here.
Based on this information, we will create an initial plan, the details of which you can edit at any time during the application process. Once you are satisfied with your loan application, you send it to us in real time. We will then make you a binding offer that you can delete or accept.
If you want to accept it, you can sign the contract electronically. For this, we connect you to our partner IDnow, a trained employee checks the front and back of your supported ID document, and you then sign directly on the screen of your smartphone. In France you can even confirm your loan agreement directly in your N26 app, without an additional video call. The loan amount will then be credited to your N26 account within a few minutes. You will receive a push message as soon as the payment has been made.
Depending on the offer, we offer you effective interest rates of between 1.99% and 19%% p.a. Apart from the interest, there are no other charges. However, if you wish to change your N26 Credit Plan or are in default of your monthly payments, additional fees may be due. For more information, please see the N26 Credit general terms and conditions and the pre-contractual information.