Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Buyway BE
What sets them apart
| Compare |  1822direkt |  Buyway BE |
|---|---|---|
| APR | 5.29%Lower | 7.49% |
| Loan amount | €7,500 to €100,000Higher | €5,000 to €10,001 |
| Term | 24 to 120 monthsHigher | 12 to 57 months |
| Funding time | Within 24 hours after digital signing | Within 2 business days of the request, money arrives in the customer's bank account |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Credit line, Personal |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Personal loan (pret a temperament) of 10,001.00 EUR over 57 months at 7.49% APR (fixed debtor rate): 57 monthly payments of 207.88 EUR, total 11,849.16 EUR |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- Buyway BE scores higher overall: 9.3 vs 9.0.
- APR is lower at 1822direkt: 5.29% vs 7.49%.
- Loan amount is higher at 1822direkt: €7,500 to €100,000 vs €5,000 to €10,001.
- Term is higher at 1822direkt: 24 to 120 months vs 12 to 57 months.
- Support channels: only 1822direkt offers Email.
- Support channels: only Buyway BE offers Chat.
- 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.
Buyway BE
Buyway BE suits Belgian adults planning a home improvement who want a fixed rate and a revolving credit line alongside a personal loan. Its APR of 7.49% sits below the site median of 12%, and it is supervised by the FSMA in Belgium.
Score breakdown
| Area | 1822direkt | Buyway BE |
|---|---|---|
| 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). | 9.2Personal loan at an APR of 7.49% on amounts of €5,000 to €10,001, with 12 to 57 to repay and a fixed rate. |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.4Higher |
| Trust | 8.6 | 9.2Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
Buyway BE
1,196.59
1,196.59
1822direkt comes out 360.13 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.
From lowest to highest
| Fact | 1822direkt | Buyway BE |
|---|---|---|
| Loan amount | €7,500 to €100,000 | €5,000 to €10,001 |
| Term | 24 to 120 months | 12 to 57 months |
Side by side, item by item
| Loan types | 1822direkt | Buyway BE |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Car | Yes | No |
| Use cases | 1822direkt | Buyway BE |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | 1822direkt | Buyway BE |
|---|---|---|
| Personal loans | 644 of 1920 | 327 of 1920 |
| Home improvement loans | 289 of 562 | 109 of 562 |
Every fact side by side
| Fact | 1822direkt | Buyway BE |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | BUY WAY PERSONAL FINANCE SA |
| Headquarters | Germany | Belgium |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Chat, Help centre, Phone |
Where each stands against the rest
| Fact | 1822direkt | Buyway BE | Median |
|---|---|---|---|
| APR | 5.29%below the median | 7.49%below the median | 8.99% |
| Loan amount | €7,500 to €100,000highest quarter | €5,000 to €10,001below the median | €40,000 |
| Term | 24 to 120 monthshighest quarter | 12 to 57 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.
Buyway BE
Pros
- APR of 7.49% is below the site median of 12%
- Lends directly as direct lender, with a fixed rate on credit line and personal
- Offers a credit line as well as a personal loan, per credit line and personal
Cons
- Borrowing starts at a high €5,000 to €10,001, which excludes small loans
- Support runs on chat, help centre and phone only, so questions are handled remotely
- The rate is fixed, so fixed rate loans do not benefit from falling market rates
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%.
Buyway BE
Who it suits
- Belgian adults planning a renovation
- Borrowers who want one fixed rate for the whole term
- People who may want a credit line as well as a lump sum
Who should look elsewhere
- Borrowers who need a small amount below the €5,000 to €10,001 floor
- Readers wanting a variable rate, since the model here is fixed rate
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 | Buyway BE |
|---|---|---|
| Belgium | No | Yes |
| Germany | Yes | No |
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.
Buyway BE
What rate does Buyway BE charge?+
Its personal loan runs at an APR of 7.49% on a fixed rate, so the cost of borrowing stays the same across the term. That sits below the site median of 12% for loans on file.
How much can I borrow and for how long?+
Personal loans run in amounts of €5,000 to €10,001 with terms of 12 to 57. The figure is a high floor for a personal loan, which suits a planned renovation rather than a small purchase.
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