Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Credius
What sets them apart
| Compare |  1822direkt | Credius ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 5.29%Lower | 36.91% to 274.26% |
| Loan amount | €7,500 to €100,000 | RON 1,850 to RON 100,000 |
| Term | 24 to 120 monthsHigher | 12 to 60 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 500 RON file analysis commission (representative example) |
| Funding time | Within 24 hours after digital signing | About 5 minutes from approval, delivered directly to card |
| 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 | Minimum 18 years old, Romanian citizenship and residence in Romania, at least 1 month job tenure, pensioners present pension slip |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Payday, Business |
| Credit needed | Good | Fair |
| Credit check | Hard | Not confirmed |
| Representative example | Not confirmed | Credit cu buletinul: 5,000 lei over 24 months at 45%/year, 0% monthly administration commission plus 500 lei file analysis commission, 319.59 lei monthly, DAE 75.39%, total payable 8,170.16 lei |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.9.
- Founded is lower at 1822direkt: 1996 vs 2013.
- APR is lower at 1822direkt: 5.29% vs 36.91% to 274.26%.
- Term is higher at 1822direkt: 24 to 120 months vs 12 to 60 months.
- Support channels: only Credius offers Chat.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only Credius offers Payday, Business.
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.
Credius
Credius suits Romanian borrowers who need a straightforward personal loan and can wait for approval before the money lands. Loan amounts run RON 1,850 to RON 100,000 over 12 to 60, with rates at 36.91% to 274.26% on file-analysis lending.
Score breakdown
| Area | 1822direkt | Credius |
|---|---|---|
| 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). | 8.7 |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.3Higher |
| Trust | 8.6 | 8.9Higher |
Availability and regulation
| Country | 1822direkt | Credius |
|---|---|---|
| Germany | Not confirmed | |
| Romania | Not confirmed | Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions RG-PJR-42-110277/01.08.2013 Banca Nationala a Romaniei (BNR), Special Register of non-bank financial institutions RG-PJR-42-110086/16.02.2018 |
Additional countries for 1822direkt: 1. Additional countries for Credius: 1.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
Credius
6,676.48 to 72,327.82
6,676.48 to 72,327.82
1822direkt comes out 5,840.02 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.
Feature by feature
| Loan types | 1822direkt | Credius |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | No |
| Business | No | Yes |
| Use cases | 1822direkt | Credius |
|---|---|---|
| Home improvement | Yes | Yes |
Where these facts come from
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Credius
- credius.ro: 17 facts, checked September 26, 2026
How they place
| Ranking | 1822direkt | Credius |
|---|---|---|
| Personal loans | 644 of 1920 | 787 of 1920 |
| Home improvement loans | 289 of 562 | 352 of 562 |
Every fact side by side
| Fact | 1822direkt | Credius |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Credius IFN S.A. |
| Headquarters | Germany | Romania |
| Founded | 1996Lower | 2013 |
| Support channels | Email, Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | 1822direkt | Credius | Median |
|---|---|---|---|
| APR | 5.29%below the median | 36.91% to 274.26%highest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 12 to 60 monthsat 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.
Credius
Pros
- Free early repayment means you can clear the balance early without an exit charge from the lender.
- Funding is About 5 minutes from approval, delivered directly to card and the same-day-funding feature is listed, so approved borrowers are not left waiting on transfers.
- Support runs through email, chat and phone, giving borrowers a phone line and a help centre as well as email and chat.
Cons
- Rates of 36.91% to 274.26% are steep for a personal loan, sitting well above the site median of 12%.
- The fee to watch is 500 RON file analysis commission (representative example), charged on the representative example on top of the borrowing rate.
- Applications ask for Romanian citizenship and residence, a minimum age, and a job tenure or a pension slip, which narrows who can qualify.
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%.
Credius
Who it suits
- Romanian residents with stable income or a pension who need a personal, payday or business loan.
- Borrowers who want to clear the balance early without paying an exit charge for doing so.
- Anyone who values a quick payout after approval more than a low rate.
Who should look elsewhere
- Anyone living outside Romania, since eligibility asks for Romanian citizenship and residence in the country.
- Borrowers with thin files who want a low rate, given fair credit and rates at 36.91% to 274.26%.
- People who want a long repayment period spread thin, since terms run 12 to 60 at 36.91% to 274.26%.
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 | Credius |
|---|---|---|
| Germany | Yes | No |
| Romania | 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.
Credius
What does Credius cost to borrow?+
Rates run 36.91% to 274.26% on file-analysis lending, and amounts run RON 1,850 to RON 100,000. The representative example carries a file analysis commission of 500 RON file analysis commission (representative example), so the up-front fee matters as much as the rate.
How long does a Credius loan take to repay?+
Terms run 12 to 60, a narrower spread than many personal loans offer. The lender serves a single market, so the full range applies to Romanian borrowers only, and a longer term means more months charged at 36.91% to 274.26%.
Other options to compare
Other matchups
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- 1822direkt vs Zmarta
- 1822direkt vs AVO Bank
- 1822direkt vs Buyway BE
- 1822direkt vs Interhyp
- 1822direkt vs Branch
- 1822direkt vs Plazo ES
- 1822direkt vs Wandoo
- 1822direkt vs Qonto ES
- 1822direkt vs Crezu
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- Credius vs AvaFin Poland
- 1822direkt vs Zonky
- 1822direkt vs SOS Credit
Related by the facts
- Pbb Direkt, also regulated by Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin)
- Lenders with Personal
- Lenders available in Germany
- HoraCredit, also regulated by Banca Nationala a Romaniei (BNR), General Register of non-bank financial institutions
- Lenders with Home improvement
- Lenders with Debt consolidation