What is Headquarters country?

The headquarters country is the nation where a lender has its registered head office, and it tells you which market the company was built for. It is also where the company answers to its own regulator, so rules on the account often follow the law of that country rather than yours.

In the group compared here, each brand sits in a different single market: 1822direkt is based in DE, 5in5 in NL, A-Bank in UA, ABA Bank in KH and ABB Bank in AZ. That spread means the contract language, the credit checks and the repayment options you see may all differ from one lender to the next.