Updated September 29, 2026 · BorrowCue Editorial Team
1822direkt vs CashX
Where 1822direkt and CashX differ
| Compare |  1822direkt |  CashX |
|---|---|---|
| Loan amount | €7,500 to €100,000 | LKR 5,000 to LKR 300,000 |
| Term | 24 to 120 monthsHigher | 5 to 30 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Consulting and service fees, 0% to 2.2% per day |
| Funding time | Within 24 hours after digital signing | Money credited to bank account within two hours of approval |
| 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 | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Payday |
| Credit needed | Good | Poor |
| APR | 5.29% | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Rate type (Fixed), Free early repayment (Yes).
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Key differences
- CashX scores higher overall: 9.2 vs 9.0.
- Term is higher at 1822direkt: 24 to 120 months vs 5 to 30 months.
- Support channels: only CashX offers Chat.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only CashX 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.
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
Score breakdown
| Area | 1822direkt | CashX |
|---|---|---|
| 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). | 9.2 |
| 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 |
Which one suits you
Pick 1822direkt if term matter most.
Pick CashX if trust matter most.
How they place
| Ranking | 1822direkt | CashX |
|---|---|---|
| Personal loans | 644 of 1920 | 443 of 1920 |
Every fact side by side
| Fact | 1822direkt | CashX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | A V Business Solutions (Private) Limited |
| Headquarters | Germany | Sri Lanka |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | 1822direkt | CashX | Median |
|---|---|---|---|
| APR | 5.29%below the median | Not confirmed | 8.99% |
| Term | 24 to 120 monthshighest quarter | 5 to 30 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.
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
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%.
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
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
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | CashX |
|---|---|---|
| Germany | Yes | No |
| Sri Lanka | 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.
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
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