N26 Kredit vs C24 Sofortkredit

Direct consumer credit from N26 Bank SE; the current product page names N26 Bank SE as lender and BaFin data corroborates the legal institution identity.

C24 Bank GmbH is the lender/product provider. The same C24 Sofortkredit can be reached through a direct C24-app route and a CHECK24 comparison/distribution route; channel-specific repayment rules are not flattened.

€1,000–€25,000.

No stable current public universal amount range for the direct C24-app credit route is published in the audited first-party sources. Current C24 help confirms that direct-app users enter a desired credit amount during authenticated configuration, but it publishes no general public floor or ceiling. C24’s public Ratenkredit page points to the CHECK24 comparison universe; those partner-bank ranges do not define the direct C24 product.

12–60 months.

Current C24 first-party privacy documentation gives Ratenkredit terms of 24 to 84 months. This closes the term sub-gap only; no stable current public universal amount range for the direct C24-app route is published in the audited first-party sources.

Advertised effective APR from 4.06% p.a. Current representative example: €10,000 / 60 months at 11.56% effective APR and 10.99% fixed nominal; monthly €217.37; total €13,042.46. Minimum advertising and representative example are stored separately.

Current public first-party C24 sources do not publish a universal direct-app APR range or representative example. The public Ratenkredit landing page is a CHECK24 marketplace entry point, while the direct app creates an individual offer after amount/term configuration. The current individual offer/contract therefore controls; marketplace APRs must not be rendered as C24 Bank’s own direct pricing.

No separate processing-fee conclusion is inferred from the reviewed product pages; the personalized offer and contractual pre-information control actual total cost.

No universal processing fee is inferred. Direct-app early repayment is described as free; CHECK24-originated contracts have a different annual free-repayment threshold. The current C24 price/service list separately publishes Ratenkredit service fees including a €20 Ratenpause and €40 Ratenplanänderung; these service fees do not establish a universal APR or amount range.

N26 says the N26 account must have been open at least 90 days before checking loan eligibility; lending remains subject to individual qualification and creditworthiness.

For the direct C24-app route: existing C24 current account, regular salary receipt, stable financial situation and positive SCHUFA information plus further assessment. A current C24 help article also says that for both direct-app and CHECK24-route requests the bank considers information including income, expenditure and SCHUFA data; no approval threshold is inferred.

N26 explicitly says it cannot offer N26 Kredit without checking/knowing the applicant’s SCHUFA score. N26’s own statements about how an accepted application affects the score are attributed to N26, not generalized as independent SCHUFA guidance.

C24 privacy/current help evidence describes SCHUFA credit data plus an internal bank risk score in Ratenkredit creditworthiness processing. The direct app route is therefore not represented as SCHUFA-free.

N26 says the personalized offer can appear in under a minute, but explicitly says this is not a Sofortzusage. After review, acceptance and electronic signature, payout is generally made directly to the N26 account.

After digital signature C24 describes disbursement within one bank working day; for qualifying C24 salary-account/app customers it also uses “few minutes” language. A current post-signature help article confirms that C24 first rechecks application data for completeness and may request documents or clarifications before payout. Neither timing is a guarantee.

N26 Credit kann laut aktueller N26-Hilfe jederzeit vorzeitig zurückgezahlt werden. N26 nennt eine Vorfälligkeitsentschädigung von bis zu 1 % des vorzeitig zurückgezahlten Betrags bzw. bis zu 0,5 % bei weniger als 12 Monaten Restlaufzeit. Die konkrete Berechnung stellt N26 auf Anfrage bereit.

Direktabschluss C24 App: laut C24 jederzeit gebührenfrei. Abschluss über CHECK24: einmal pro Laufzeitjahr bis 50 % der Restschuld kostenfrei; darüber nennt C24 1 %/0,5 % Vorfälligkeitsentschädigung je nach Restlaufzeit.