Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Century Financial Services
Where 1822direkt and Century Financial Services differ
| Compare |  1822direkt | Century Financial Services ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | €7,500 to €100,000 | ZAR 500 to ZAR 8,000 |
| Term | 24 to 120 monthsHigher | 1 to 6 months |
| Funding time | Within 24 hours after digital signing | same day |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidation, Car, Credit line | Payday, Personal |
| APR | 5.29% | 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 |
| 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 |
| Use cases | Home improvement | Not confirmed |
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.8.
- Term is higher at 1822direkt: 24 to 120 months vs 1 to 6 months.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only Century Financial Services 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.
Century Financial Services
Century Financial Services is a South African direct lender for adults who need a small personal or payday loan paid out fast.
Score breakdown
| Area | 1822direkt | Century Financial Services |
|---|---|---|
| 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. | 8.2Personal and payday loans of ZAR 500 to ZAR 8,000 over terms of 1 to 6, with funding in same day from a direct lender. |
| Trust | 8.6 | 9.2Higher |
Ranges side by side
| Fact | 1822direkt | Century Financial Services |
|---|---|---|
| Term | 24 to 120 months | 1 to 6 months |
What each covers
| Loan types | 1822direkt | Century Financial Services |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | No |
Positions in our rankings
| Ranking | 1822direkt | Century Financial Services |
|---|---|---|
| Personal loans | 644 of 1920 | 901 of 1920 |
Where these facts come from
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Century Financial Services
- offerforge.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | Century Financial Services |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Century Financial Services |
| Headquarters | Germany | South Africa |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Not confirmed |
Where each stands against the rest
| Fact | 1822direkt | Century Financial Services | Median |
|---|---|---|---|
| APR | 5.29%below the median | Not confirmed | 8.99% |
| Term | 24 to 120 monthshighest quarter | 1 to 6 monthslowest 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.
Century Financial Services
Pros
- Direct lender, so payday and personal come straight from the provider rather than a broker
- Loans of ZAR 500 to ZAR 8,000 suit a short unplanned bill or an emergency repair
- Repayment terms of 1 to 6 keep each instalment small
Cons
- Terms of 1 to 6 mean short windows to clear the balance, so ZAR 500 to ZAR 8,000 repaid in that time is costly
- The top of ZAR 500 to ZAR 8,000 is far below the amounts many personal loans reach, so it cannot cover a large expense
- Payday and personal lending sits in the costliest group, with a median APR of 36.5%
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%.
Century Financial Services
Who it suits
- Adults in South Africa covering a short bill or emergency cost
- Borrowers who need money in same day rather than waiting a week
- People who want to deal with the lender directly instead of a broker
Who should look elsewhere
- Anyone repaying ZAR 500 to ZAR 8,000 over many years, since the site personal loans median term runs to 48 months
- Borrowers wanting amounts above the ZAR 500 to ZAR 8,000 ceiling
- Monzo Flex users, whose loans start far higher at £10,000 to £35,000
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
Country by country
| Country | 1822direkt | Century Financial Services |
|---|---|---|
| Germany | Yes | No |
| South Africa | 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.
Century Financial Services
How much can I borrow from Century Financial Services?+
Personal and payday loans run in a band of ZAR 500 to ZAR 8,000. That ceiling is modest against the wider market, where the personal loans median amount is €556.48. Borrowers needing a large sum for a bigger project would have to look elsewhere.
How long do I have to repay the loan?+
Repayment terms are 1 to 6. That is a short window compared with the personal loans median term of 48 months, so the total cost of borrowing ZAR 500 to ZAR 8,000 is worth checking carefully before applying.
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