Updated October 13, 2026 · BorrowCue Editorial Team
1822direkt vs Branch
Facts checked September 26, 2026.
1822direkt vs Branch: the differences
| Compare |  1822direkt |  Branch |
|---|---|---|
| Funding time | Within 24 hours after digital signing | Loans sent to mobile money or bank account in 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 | Android smartphone users, including those with little to no credit history or savings, assessed on alternative data |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Payday |
| Credit needed | Good | Poor |
| APR | 5.29% | Not confirmed |
| Loan amount | €7,500 to €100,000 | Not confirmed |
| Term | 24 to 120 months | Not confirmed |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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
- Branch is available in 2 more countries.
- Support channels: only 1822direkt offers Email, Phone, Help centre.
- Support channels: only Branch offers Chat.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only Branch offers Payday.
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.
Branch
Branch is a smartphone based finance app built around instant loans without physical documentation. It suits people in Africa and India who want loans, transfers, bill payment and savings together in one mobile place backed by data science and mobile insights.
Score breakdown
| Area | 1822direkt | Branch |
|---|---|---|
| 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). | Not confirmed |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.1 |
| Trust | 8.6 | 9.2Higher |
Positions in our rankings
| Ranking | 1822direkt | Branch |
|---|---|---|
| Personal loans | 644 of 1920 | 1307 of 1920 |
Side by side, item by item
| Loan types | 1822direkt | Branch |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | No |
Where each is licensed and available
| Country | 1822direkt | Branch |
|---|---|---|
| Germany | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for Branch: 3.
What we checked
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Branch
- branch.co: 7 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | Branch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Not confirmed |
| Headquarters | Germany | Not confirmed |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat |
Where each stands against the rest
| Fact | 1822direkt | Branch | Median |
|---|---|---|---|
| APR | 5.29%below the median | Not confirmed | 8.99% |
| Loan amount | €7,500 to €100,000highest quarter | Not confirmed | €40,000 |
| Term | 24 to 120 monthshighest quarter | Not confirmed | 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.
Branch
Pros
- Instant loans approved without any physical documentation needed
- Funding sent to mobile money or bank account in minutes
- Wallet supports transfers plus bill payment in one app
Cons
- Smartphone only access excludes people without compatible devices
- Services focus on Africa and India rather than wider regions
- Debit card access remains limited to Nigeria for now
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%.
Branch
Who it suits
- People in Africa and India seeking mobile based finance
- Smartphone owners wanting loans without physical documentation
- Users wanting loans, transfers and bill payment together
Who should look elsewhere
- People without a smartphone for app access
- Borrowers outside Africa and India
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 | Branch |
|---|---|---|
| Germany | Yes | No |
| India | No | Yes |
| Kenya | No | Yes |
| Nigeria | 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.
Branch
Who can apply for a Branch loan?+
Branch serves smartphone owners who want finance through a mobile app without physical documentation. It focuses on people in emerging markets who face hurdles with traditional institutions. Everything operates through the app on a smartphone.
Where does Branch operate?+
Branch operates across Africa and India with over 100 million downloads in those regions. It presents itself as a popular finance app in those markets. Nigeria is named as the launch market for its debit card.
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 Plazo ES
- 1822direkt vs Wandoo
- 1822direkt vs Qonto ES
- 1822direkt vs Crezu
- 1822direkt vs Rahalaitos
- 1822direkt vs Smava
- 1822direkt vs Zonky
- 1822direkt vs SOS Credit