Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs AVO Bank
Where 1822direkt and AVO Bank differ
| Compare |  1822direkt |  AVO Bank |
|---|---|---|
| APR | 5.29%Lower | 41.06% to 63.05% |
| Loan amount | €7,500 to €100,000 | UZS 1,000,000 to UZS 100,000,000 |
| Term | 24 to 120 monthsHigher | 3 to 36 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Optional 'O'zimiznikilar uchun' service: 10% of loan amount (3-12 month terms), 5% (24-36 month terms) |
| Funding time | Within 24 hours after digital signing | Immediately after approval; application reviewed in 1-3 minutes |
| 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 | 18+ and citizen of the Republic of Uzbekistan; passport or ID card only |
| Origination fee (%) | 0%Lower | 5% to 10% |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Personal, Credit line |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Online microloan UZS 20,000,000 over 12 months at 34.9% p.a. - total repayable UZS 25,976,000 |
| Credit needed | Good | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.8.
- APR is lower at 1822direkt: 5.29% vs 41.06% to 63.05%.
- Origination fee (%) is lower at 1822direkt: 0% vs 5% to 10%.
- Term is higher at 1822direkt: 24 to 120 months vs 3 to 36 months.
- Support channels: only 1822direkt offers Email.
- Loan types: only 1822direkt offers Debt consolidation, Car.
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.
AVO Bank
AVO Bank lends directly in Uzbekistan, and it suits adults with a passport or ID card who want a fixed-rate personal loan or credit line and money the same day. The trade-off is cost: rates run 41.06% to 63.05%, well above the 12% median for the personal loans listed here.
Score breakdown
| Area | 1822direkt | AVO Bank |
|---|---|---|
| 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). | 8.6 |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.5 |
| Trust | 8.6 | 9.2Higher |
Where they rank in our lists
| Ranking | 1822direkt | AVO Bank |
|---|---|---|
| Personal loans | 644 of 1920 | 872 of 1920 |
| Home improvement loans | 289 of 562 | 400 of 562 |
Where each is licensed and available
| Country | 1822direkt | AVO Bank |
|---|---|---|
| Germany | Not confirmed | |
| Uzbekistan | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for AVO Bank: 1.
Pick 1822direkt if, pick AVO Bank if
Pick 1822direkt if cost, offer, apr, term, and origination fee (%) matter most.
Pick AVO Bank if trust matter most.
Sources behind this comparison
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
AVO Bank
- avo.uz: 18 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | AVO Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | AVO bank AJ |
| Headquarters | Germany | Uzbekistan |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | AVO Bank | Median |
|---|---|---|---|
| APR | 5.29%below the median | 41.06% to 63.05%highest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 3 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 5% to 10%highest quarter | 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.
AVO Bank
Pros
- Funds land the same day an application is approved, and AVO Bank is a direct lender, so the decision and the payout sit together.
- Free early repayment, so a 3 to 36 loan can be cleared ahead of schedule at no extra cost.
- fixed rate lending at 41.06% to 63.05%, and UZS 1,000,000 to UZS 100,000,000 covers a single repair through to a full refurbishment.
Cons
- Rates of 41.06% to 63.05% sit well above the 12% median for the personal loans listed here.
- The optional 'O'zimiznikilar uchun' service adds 5% to 10% of the loan amount on the shorter terms.
- Terms stop at 3 to 36, short of the 60 upper quartile among personal loans listed here.
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%.
AVO Bank
Who it suits
- Adults in Uzbekistan who hold a passport or ID card and want the rate fixed for the whole term.
- Anyone funding home improvement work, the stated use case for these loans.
- Borrowers who can clear the loan early, since free early repayment carries no charge.
Who should look elsewhere
- Anyone chasing a low rate: Monzo Flex runs 10% to 23%, and Cashspace runs PHP 12 to PHP 36.
- Borrowers who want no interest charged, as Cashspace ES lists an APR of 0%.
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
AVO Bank
Current offer
First period offer
30 days interest-free on the online microloan: 0% interest for 30 calendar days
Repay the whole microloan within the first 30 days before the first payment
Source, checked September 26, 2026
Bonus
100% cashback on the first credit purchase: 100% cashback, up to 100,000 UZS
Credit-card spending; 1% on other purchases; bonus cap 100,000 UZS, max 500,000 UZS per month
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | AVO Bank |
|---|---|---|
| Germany | Yes | No |
| Uzbekistan | 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.
AVO Bank
How much can I borrow from AVO Bank?+
Loan amounts run UZS 1,000,000 to UZS 100,000,000 in Uzbek soum and terms run 3 to 36. Both personal loans and credit lines are offered, and home improvement is the stated use, so a small repair and a full renovation can both fit the range.
What rate will I pay?+
The rate is fixed, and the APR runs 41.06% to 63.05%, well above the 12% median across the personal loans listed here. A fixed rate holds the same percentage for the life of the loan, though the level itself is high.
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