1822direkt review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

1822direkt suits German borrowers who prioritise low stated costs and fixed-rate borrowing across mortgages and personal loans. Its mortgage product fee is €0, while the initial rate is 3.87% and the APRC is 3.97%. The main trade-off is the hard credit check used for personal-loan applications.

Key facts

Best for
Borrowers in Germany seeking low-cost fixed-rate mortgage or personal-loan options.
Initial rate
3.87% (Source, checked September 26, 2026)
APRC
3.97% (Source, checked September 26, 2026)
Fixed period
10 years (Source, checked September 26, 2026)
Maximum loan to value
90% (Source, checked September 26, 2026)
Product fee
€0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, Buy-to-let (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
1822direkt Gesellschaft der Frankfurter Sparkasse mbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
1822direkt.de

Loans

APR
5.29% (Source, checked September 26, 2026)
Loan amount
€7,500 to €100,000 (Source, checked September 26, 2026)
Term
24 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (credit application processing is free of charge) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 24 hours after digital signing (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
1822direkt Gesellschaft der Frankfurter Sparkasse mbH (Source, checked September 26, 2026)
Headquarters
Germany (Source, checked September 26, 2026)
Founded
1996 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App Store
Elsewhere
WikidataXyoutube.com

Pros and cons

Pros

  • Mortgage product fees are €0.
  • Personal-loan application processing is free of charge under 0 EUR (credit application processing is free of charge).
  • Early repayment is free.
  • Support is available through email, phone and help centre.

Cons

  • Personal-loan applications use a hard credit check, which may make approval harder for borrowers with limited credit history.
  • Personal loans are available only on a fixed-rate basis.
  • The stated lender type is broker, so applications are arranged through a broker.
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Who it suits

  • Adults resident mainly in Germany with a permanent contract and a clean SCHUFA and CRIF Buergel record.
  • Borrowers comparing fixed-rate mortgages for purchase, remortgaging or buy-to-let purposes.
  • Personal-loan applicants with good credit who want free early repayment and no application processing fee.

Who should look elsewhere

  • Prestalo may suit a borrower focused on its listed initial rate of 2.36%.
  • Creditilia ES may suit a borrower focused on its listed initial rate of 4%.
  • Sofkredit may suit a borrower focused on its listed initial-rate range of 8% to 14%.

The company behind it

1822direkt is operated by 1822direkt Gesellschaft der Frankfurter Sparkasse mbH and is based in Germany. It was founded in 1996. Borrowers can contact the service through email, phone and help centre, which provides email, phone and help-centre access for questions about loans and applications.

How 1822direkt compares

Where 1822direkt is available

Available
Germany
Licence in Germany
Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin), checked September 26, 2026
Licence in Germany
Europaeische Zentralbank (EZB), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What are the fees for a personal loan?+

Personal-loan rates start with an APR of 5.29%. Credit application processing is free of charge under 0 EUR (credit application processing is free of charge), and the stated product fee is 0%.

What costs apply to the mortgage?+

The mortgage initial rate is 3.87%, with an APRC of 3.97% and a fixed period of 10. The stated mortgage product fee is €0.

How much can be borrowed against a property?+

The maximum loan-to-value ratio is 90%. Mortgages are intended for purchase, remortgaging and buy-to-let purposes under purchase, remortgage and buy to let.

What loan sizes and terms are available?+

Personal-loan amounts range from €7,500 to €100,000, with terms of 24 to 120. Early repayment is free, and the fixed-rate model is stated under fixed rate.

How quickly can a personal loan be funded?+

The stated funding time is Within 24 hours after digital signing. Applicants must be adults, live mainly in Germany, have a permanent contract, meet the employment requirement and have no negative SCHUFA or CRIF Buergel entry.

Who operates the service and which regulators are named?+

The company is 1822direkt Gesellschaft der Frankfurter Sparkasse mbH, based in Germany. Its stated licences name Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) and Europaeische Zentralbank (EZB) in Germany.

How is the loan arranged and assessed?+

The stated lender type is broker. Personal borrowers need good credit under good, while a hard credit check applies under hard.

How can borrowers get support?+

Support is offered through email, phone and help centre. This includes email, phone and a help centre, giving borrowers several ways to contact the service.

Sources

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

1822direkt

1822direkt

Borrowers in Germany seeking low-cost fixed-rate mortgage or personal-loan options.

9.0/10See alternatives

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