Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs BCS Lending
Where 1822direkt and BCS Lending differ
| Compare |  1822direkt |  BCS Lending |
|---|---|---|
| APR | 5.29% | 2.49% to 19.99%Lower |
| Loan amount | €7,500 to €100,000 | $5,000 to $100,000 |
| Term | 24 to 120 months | 24 to 144 monthsHigher |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | $0 |
| Funding time | Within 24 hours after digital signing | Funds as soon as the same day you apply |
| 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 | Good credit with sufficient income and assets; individuals only, not businesses; approved applicants need a valid Visa or MasterCard for identity verification |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Personal, Debt consolidation, Car |
| Representative example | Not confirmed | $25,000 loan at 5.99% APR with a term of 12 years would result in 144 monthly payments of $243.83; maximum APR 29.99% |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Origination fee (%) (0%), Credit needed (Good), Use cases (Home improvement).
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Key differences
- BCS Lending scores higher overall: 9.3 vs 9.0.
- APR is lower at BCS Lending: 2.49% to 19.99% vs 5.29%.
- Term is higher at BCS Lending: 24 to 144 months vs 24 to 120 months.
- Support channels: only 1822direkt offers Phone.
- Loan types: only 1822direkt offers Credit line.
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.
BCS Lending
BCS Lending is a direct US lender for people with good credit who want a long, fixed repayment on a larger balance rather than a short one.
Score breakdown
| Area | 1822direkt | BCS Lending |
|---|---|---|
| Cost | 9.3Mortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge). | 9.5HigherArrangement fee of $0, APR of 2.49% to 19.99% and terms of 24 to 144 on a fixed rate loan. |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.2 |
| Trust | 8.6 | 9.2Higher |
Feature by feature
| Loan types | 1822direkt | BCS Lending |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Car | Yes | Yes |
| Use cases | 1822direkt | BCS Lending |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | 1822direkt | BCS Lending |
|---|---|---|
| Personal loans | 644 of 1920 | 316 of 1920 |
| Debt consolidation loans | 215 of 425 | 86 of 425 |
| Car loans | 192 of 432 | 72 of 432 |
| Home improvement loans | 289 of 562 | 103 of 562 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
BCS Lending
388.52 to 3,377.06
388.52 to 3,377.06
BCS Lending comes out 447.94 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
A third option
Prestamiau ES has apr at 0% to 36%, against 5.29% for 1822direkt and 2.49% to 19.99% for BCS Lending.
Prestamiau ES reviewEvery fact side by side
| Fact | 1822direkt | BCS Lending |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Beachfront Credit Services |
| Headquarters | Germany | United States |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | 1822direkt | BCS Lending | Median |
|---|---|---|---|
| APR | 5.29%below the median | 2.49% to 19.99%lowest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 24 to 144 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 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.
BCS Lending
Pros
- The arrangement fee is $0 and the percentage fee is 0%, so nothing is added to set the loan up.
- APR of 2.49% to 19.99% on a fixed rate loan, so the instalment does not move during the term.
- Balances of $5,000 to $100,000 with terms of 24 to 144 suit substantial projects.
Cons
- Applications run a hard credit search, so a declined application stays on the file.
- Support runs on email and help centre only, with no phone line offered.
- The top of the advertised rate, 2.49% to 19.99%, sits above the site median of 12%.
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%.
BCS Lending
Who it suits
- People with good credit and enough income and assets to cover the repayments, applying as individuals.
- Borrowers funding a home improvement project who want a fixed rate repayment and free early repayment.
- Anyone who values speed, since Funds as soon as the same day you apply.
Who should look elsewhere
- Companies and limited companies, because BCS Lending lends to individuals only.
- Borrowers who want a lower starting rate, since Cashspace ES lists 0% against 2.49% to 19.99% here.
- Anyone who needs to speak to an adviser on the phone, since support runs on email and help centre only.
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
BCS Lending
Current offer
Bonus
$100 Loan Experience Guarantee: $100
Complete a questionnaire if not completely satisfied; guarantee expires 30 days after the loan is received; limited to one $100 payment per funded loan
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | BCS Lending |
|---|---|---|
| Germany | Yes | No |
| United States | 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.
BCS Lending
Does BCS Lending charge arrangement or origination fees?+
Neither fee applies: the arrangement fee is $0 and the percentage fee is 0%. Interest is therefore the only cost to weigh on a fixed loan, and early repayment is free, so paying a balance off early does not add a charge.
What rate will I pay on a BCS Lending loan?+
The advertised APR runs 2.49% to 19.99% on a fixed rate basis, so the instalment stays level across the whole term rather than moving with a base rate. The representative example also quotes a maximum APR above that headline range, which is why the offer on your own application is the figure to read.
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