Join 50+ million Revolut customers
20.000 EUR loan
Making a big life change? Invest in your future with our personal loans. Apply to borrow up to 50.000 EUR, with a fixed interest rate throughout the term of your loan. APR starts at 4,99 %¹, depending on the duration of your loan and your credit history.
How to borrow 20.000 EUR with Revolut
When the unexpected happens and you need a little extra money, we've got you covered. Apply for a loan in 3 steps.
1. Join Revolut
Download the Revolut app for iOS or Android, then sign up.
2. Complete your application
Go to the 'Loans' section in-app and fill out the online application.
3. Get your loan
If you're eligible and you accept our offer, we'll add the loan amount to your Revolut account.
Representative Example for a 20.000 EUR loan
Empower yourself with all the facts upfront before you commit to a loan.Imagine you borrow 20.000 EUR for 36 months with a fixed annual interest rate of 4,84 %¹. The total amount you'll pay is 21.527,28 EUR, with monthly payments of 597,98 EUR.
This means your effective annual percentage rate (APR) is 4,99 %¹, which represents the total interest rate plus any additional charges.
We'll run a credit check to set your personalised interest rate and APR.
Am I eligible for a 20.000 EUR loan?
Here are some of the points we check when you apply for a loan, although we may also consider other factors. To be eligible, you need to:- be at least 18 years old
- permanently live in Germany
- be employed in Germany
- receive your salary payments in Euros
- have a good credit history
Trusted by 50+ million customers
Apply for a 20.000 EUR loan today
Borrowing money should be clear and simple — that's exactly what you get with our personal loans. But Revolut offers so much more than that. Check out our reviews and see for yourself.
Get low interest rates with your 20.000 EUR loan
How competitive is our pricing? We've got low rates we're sure you'll love. But don't take our word for it — apply for your personalised loan and decide what's best for you.Check it out
No fees when you borrow 20.000 EUR with Revolut
Getting a loan means investing in your future. Make that commitment confidently when you borrow money with Revolut. You'll see all costs, terms, and interest rates upfront before you sign — no other fees, no small print.
¹Information according to PAngV: this offer is based on an online loan, with a fixed borrowing rate between 4,84% and 16,27%, an APR between 4,99 % and 17,54%, a net loan amount from €1,000 to €50.000, a total amount from €1.026,48 to €89.701,92, monthly instalments from €85,54 to €4.542,93, and 12 to 96 instalments. Creditworthiness required. Credit provider: Revolut Bank UAB Konstitucijos pr. 21B, LT-08130, Vilnius. Two-thirds of customers typically receive: a net loan amount of €10.000, a total amount of €12.598,17, monthly instalments of €209,94, 60 instalments, a fixed borrowing rate of 9,49%, and an annual percentage rate of 9,91%.
Need a little more help?
20.000 EUR loan FAQs
- Yes, if your loan application is approved, you can get a loan today. Filling out the assessment is fast, and we'll usually send you our decision within a few minutes. In some cases, we may ask for additional documentation from you. If this happens, we'll need more time to make a decision. After you submit the required documents and we've reviewed them, we'll let you know whether you're eligible as soon as possible. Visit our Help Centre for more on the loan application process and how we determine your loan eligibility.
- You most likely won't be eligible for a loan with Revolut if you have a bad credit history or current overdue debts. We'll run a credit check when you apply.
- These are some of the eligibility criteria we'll check when you apply for a loan, although we may take additional factors into consideration. To be eligible, you need to:
- be at least 18 years old
- permanently live in Germany
- be employed in Germany
- receive your salary payments in Euros
- have a good credit history
- We carry out a credit check using information from the SCHUFA credit bureau. This will leave a search record in your credit history but will not impact your credit score. Once you accept a loan with us, it will be recorded in your credit bureau history and may impact your credit score.
- You can apply for a loan in 3 steps.
- Download the Revolut app and sign up for an account.
- Go to the Loans section and complete the online application.
- You'll usually get a decision in minutes. If you're eligible for the loan and you accept our offer, we'll add the money you're borrowing to your Revolut account.
- If you're struggling to make a repayment or think you might struggle to do so in the future, please contact us via chat or email. We’re here to help, and we’ll discuss ways you can manage your repayments. If you miss a payment, you'll need to pay penalty interest. We may also report your missed payments to the credit bureau. This might show up in your credit file and negatively impact your credit history. We’ll update your file every month to reflect the status of your repayments and the amount you owe.
- The maximum loan period for a Revolut loan in Germany is 8 years, but you can choose a shorter term and make early repayments without penalty fees.
- You’ll repay your loan in equal instalments on the same date every month throughout the term of the loan. We'll collect your first instalment one month from the date we paid the loan into your account. Your repayments will include both capital and interest. We’ll charge your repayments directly to your Revolut EUR account. Make sure you have enough money in your Revolut account on your monthly repayment day.
- Although you can apply, your application will likely be unsuccessful. You need to be employed (with a full-time or part-time contract) or be retired with regular pension income to be eligible for a Revolut loan. Read more about loan eligibility requirements in our Help Centre.