Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Amanahkredit MY
Where 1822direkt and Amanahkredit MY differ
| Compare |  1822direkt |  Amanahkredit MY |
|---|---|---|
| APR | 5.29%Lower | 18% |
| Loan amount | €7,500 to €100,000 | MYR 300 to MYR 5,000 |
| Term | 24 to 120 monthsHigher | 2 to 30 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Service, processing and stamping charges deducted upfront from the disbursement amount (no figure published) |
| Funding time | Within 24 hours after digital signing | Within 24 hours of approval, same day if applied before 5 pm |
| Lender type | Broker | Direct lender |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | At least 21 years old, Malaysian citizen, employed with stable income, valid MyKad and active Malaysian bank account |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Payday, Student, Business |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- APR is lower at 1822direkt: 5.29% vs 18%.
- Term is higher at 1822direkt: 24 to 120 months vs 2 to 30 months.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only Amanahkredit MY offers Payday, Student, Business.
Our verdict on each
1822direkt
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.
Amanahkredit MY
Amanahkredit MY is a licensed Malaysian direct lender for small, short personal and payday loans that fund quickly, at an APR of 18%. That sits below the payday ranking median of 36.5%, so it suits borrowers who put payout speed and charge-free early settlement ahead of the lowest price.
Score breakdown
| Area | 1822direkt | Amanahkredit MY |
|---|---|---|
| Cost | 9.3HigherMortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge). | 8.9APR 18% on MYR 300 to MYR 5,000 over 2 to 30, plus an arrangement fee taken upfront from the disbursement amount. |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.6 |
| Trust | 8.6 | 9.2Higher |
Pick 1822direkt if, pick Amanahkredit MY if
Pick 1822direkt if cost, offer, apr, and term matter most.
Pick Amanahkredit MY if trust matter most.
Side by side, item by item
| Loan types | 1822direkt | Amanahkredit MY |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | No |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | 1822direkt | Amanahkredit MY |
|---|---|---|
| Home improvement | Yes | Yes |
Ranges side by side
| Fact | 1822direkt | Amanahkredit MY |
|---|---|---|
| Term | 24 to 120 months | 2 to 30 months |
Where they rank in our lists
| Ranking | 1822direkt | Amanahkredit MY |
|---|---|---|
| Personal loans | 644 of 1920 | 656 of 1920 |
| Home improvement loans | 289 of 562 | 294 of 562 |
If neither fits
Sofkredit has term at 6 to 240 months, against 24 to 120 months for 1822direkt and 2 to 30 months for Amanahkredit MY.
Sofkredit reviewEvery fact side by side
| Fact | 1822direkt | Amanahkredit MY |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Constance Infinity Sdn. Bhd. (201901035854, 1345184-H) |
| Headquarters | Germany | Malaysia |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | Amanahkredit MY | Median |
|---|---|---|---|
| APR | 5.29%below the median | 18%above the median | 8.99% |
| Term | 24 to 120 monthshighest quarter | 2 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
1822direkt
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.
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.
Amanahkredit MY
Pros
- Licensed in Malaysia by the Ministry of Housing and Local Government (KPKT) under WL3468/01/01-11/270127.
- Funds go out Within 24 hours of approval, same day if applied before 5 pm, with same-day funding among same day funding.
- Early repayment carries no charge, so a shorter payoff costs nothing extra.
Cons
- An APR of 18% is above the site median of 12% and above Monzo Flex at 10% to 23%.
- Terms run 2 to 30, well short of the site median term of 36.
Who each suits
1822direkt
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%.
Amanahkredit MY
Who it suits
- Malaysian citizens with a MyKad, stable employment and an active local bank account.
- Applicants who need money the same day and would rather clear a short term than stretch it.
- Borrowers who want to settle early without a charge and prefer dealing with a direct lender.
Who should look elsewhere
- Cost-first borrowers, since 18% sits above the site median of 12% and above Monzo Flex at 10% to 23%.
Current offers
1822direkt
Current offer
Bonus
0,10 % Zinsvorteil im Online Finanzierungskonzept: 0,10 % Zinsvorteil
Offer tied to the Online Finanzierungskonzept; 0,10 % surcharge applies to properties that are not energy efficiency class A+ to C
Source, checked September 26, 2026
Bonus
Praemie fuer Kontonutzung im Girokonto: 200 EUR
New customers of the 1822direkt Girokonto, combined with 3,50 % Zinsen p.a. for new customers
Source, checked September 26, 2026
First period offer
Tagesgeldkonto Neukundenzins: 3,50 % Zinsen p.a.
Valid for 6 months up to an investment amount of 250,000 EUR, then the then-valid base rate applies
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | Amanahkredit MY |
|---|---|---|
| Germany | Yes | No |
| Malaysia | No | Yes |
Questions about each
1822direkt
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.
Amanahkredit MY
What rate does Amanahkredit MY charge?+
The published APR is 18%, and the rate type is fixed, so the cost does not drift during the term. That sits above the site median of 12% but below the payday ranking median of 36.5%, where short-term fixes tend to price out.
How much can I borrow, and over what term?+
Loan amounts run MYR 300 to MYR 5,000 and terms run 2 to 30, with home improvement given as the main use. The listed categories are personal, payday and student. That menu suits a planned bill or a contained repair rather than a large project.
Other options to compare
Other matchups
- 1822direkt vs Kredit.de
- 1822direkt vs ExpressCredit Lesotho
- 1822direkt vs SMBC card loan
- 1822direkt vs Credius
- 1822direkt vs Deutsche Bank
- 1822direkt vs EasyMortgage NZ
- 1822direkt vs Tamara
- 1822direkt vs Sambla
- 1822direkt vs Zmarta
- 1822direkt vs AVO Bank
- 1822direkt vs Buyway BE
- 1822direkt vs Interhyp
- 1822direkt vs Plazo ES
- 1822direkt vs Wandoo
- 1822direkt vs Qonto ES
- 1822direkt vs Crezu
- 1822direkt vs Rahalaitos
- 1822direkt vs Smava
- Amanahkredit MY vs AvaFin Poland
- 1822direkt vs Zonky
- 1822direkt vs SOS Credit