Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs BesserFinanz Umschuldung
Where 1822direkt and BesserFinanz Umschuldung differ
| Compare |  1822direkt |  BesserFinanz Umschuldung |
|---|---|---|
| APR | 5.29% | -0.4% to 10.33%Lower |
| Loan amount | €7,500 to €100,000 | €500 to €300,000Higher |
| Term | 24 to 120 months | 24 to 144 monthsHigher |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 EUR (no upfront fees) |
| Credit check | Hard | Soft prequal |
| Funding time | Within 24 hours after digital signing | 3 to 10 working days; fast payout advertised |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Residence in Germany and a German bank account required by partner banks; income and Schufa assessed, loans possible despite negative Schufa |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Debt consolidation, Personal, Credit line |
| Credit needed | Good | Poor |
| Representative example | Not confirmed | Net loan 40,000 EUR, 80 months, 6.21% effective annual rate, 6.04% fixed nominal rate p.a., monthly instalment 625.25 EUR, total 50,019.41 EUR |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Broker), Use cases (Home improvement).
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Key differences
- BesserFinanz Umschuldung scores higher overall: 9.2 vs 9.0.
- Founded is lower at 1822direkt: 1996 vs 2015.
- APR is lower at BesserFinanz Umschuldung: -0.4% to 10.33% vs 5.29%.
- Loan amount is higher at BesserFinanz Umschuldung: €500 to €300,000 vs €7,500 to €100,000.
- Term is higher at BesserFinanz Umschuldung: 24 to 144 months vs 24 to 120 months.
- Loan types: only 1822direkt offers 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.
BesserFinanz Umschuldung
BesserFinanz Umschuldung fits German borrowers who want to pull several debts into a single consolidation loan without an upfront charge. Partner bank offers run at -0.4% to 10.33% on amounts of €500 to €300,000, with terms of 24 to 144 and no upfront origination charge on these consolidation loans.
Score breakdown
| Area | 1822direkt | BesserFinanz Umschuldung |
|---|---|---|
| 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). | 10.0Higher |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.2A broker model, a soft prequal check and terms of 24 to 144 give an unusually wide offer for a consolidator. |
| Trust | 8.6Higher | 8.4 |
Which one suits you
Pick 1822direkt if loan types matter most.
Pick BesserFinanz Umschuldung if cost, apr, loan amount, and term matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
BesserFinanz Umschuldung
-61.55 to 1,672.04
-61.55 to 1,672.04
BesserFinanz Umschuldung comes out 898.01 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.
How they place
| Ranking | 1822direkt | BesserFinanz Umschuldung |
|---|---|---|
| Personal loans | 644 of 1920 | 422 of 1920 |
| Debt consolidation loans | 215 of 425 | 123 of 425 |
| Home improvement loans | 289 of 562 | 159 of 562 |
Ranges side by side
| Fact | 1822direkt | BesserFinanz Umschuldung |
|---|---|---|
| Loan amount | €7,500 to €100,000 | €500 to €300,000 |
| Term | 24 to 120 months | 24 to 144 months |
Every fact side by side
| Fact | 1822direkt | BesserFinanz Umschuldung |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | BesserFinanz GmbH |
| Headquarters | Germany | Germany |
| Founded | 1996Lower | 2015 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | BesserFinanz Umschuldung | Median |
|---|---|---|---|
| APR | 5.29%below the median | -0.4% to 10.33%lowest quarter | 8.99% |
| Loan amount | €7,500 to €100,000highest quarter | €500 to €300,000highest quarter | €40,000 |
| Term | 24 to 120 monthshighest quarter | 24 to 144 monthshighest quarter | 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.
BesserFinanz Umschuldung
Pros
- Origination fees are 0 EUR (no upfront fees) on the consolidation loans, so nothing is charged to set the loan up.
- Rates are fixed on fixed rate terms, so the instalment you agree does not drift during the term.
- A soft prequal check plus loans being possible despite a negative Schufa entry widens who receives an offer.
Cons
- It is a broker, so the lender, the rate and the final terms belong to whichever partner bank responds.
- Funding is listed as 3 to 10 working days; fast payout advertised, with a fast payout advertised alongside that same window.
- Applicants need to live in Germany and hold a German account for the partner banks, so anyone based and banking outside the country sits outside its scope.
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%.
BesserFinanz Umschuldung
Who it suits
- Borrowers in Germany who want several debts moved into a single fixed-rate loan with no upfront charge.
- People with a poor credit file and steady income, since loans are possible despite a negative Schufa entry.
- Applicants who rate a phone line and help centre as highly as the rate, with support on email, phone and help centre.
Who should look elsewhere
- Anyone living outside Germany, who should weigh Monzo Flex at 10% to 23% or Cashspace at PHP 12 to PHP 36 for a market that fits them.
- Readers chasing the cheapest headline figure, since Cashspace ES shows 0% against the -0.4% to 10.33% range here.
- People who need funds within a day, because these fixed rate loans fund in 3 to 10 working days; fast payout advertised while Monzo Flex sets out its own terms 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 | BesserFinanz Umschuldung |
|---|---|---|
| Germany | Yes | 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.
BesserFinanz Umschuldung
What does a BesserFinanz consolidation loan cost?+
There is no arrangement fee to pay upfront: origination fees are 0 EUR (no upfront fees) on the consolidation loans it arranges. The rate is fixed and the published range across the partner banks is -0.4% to 10.33%, which starts below the cost of borrowing at the low end. You repay interest and instalments, not a signing charge.
How much can I borrow, and over what term?+
Loan amounts run €500 to €300,000 and terms run 24 to 144, so the same application can cover a stack of small balances or a larger sum. The rate is fixed for the whole period, which makes budgeting easier over a long term.
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