Updated September 29, 2026 · BorrowCue Editorial Team
1822direkt vs Crezu
1822direkt vs Crezu: the differences
| Compare |  1822direkt |  Crezu |
|---|---|---|
| APR | 5.29%Lower | 12% to 36% |
| Loan amount | €7,500 to €100,000 | ₱500 to ₱25,000 |
| Term | 24 to 120 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 PHP - no service fee |
| Funding time | Within 24 hours after digital signing | Decision in 2 min, money in 15 min |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Over 18 years old, resident of the Philippines, valid ID card, phone number and bank account |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Personal, Debt consolidation |
| Representative example | Not confirmed | Personal loan of PHP 10,000 repaid in 3 months: total payment PHP 15,000 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Use cases (Home improvement).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.5.
- APR is lower at 1822direkt: 5.29% vs 12% to 36%.
- Term is higher at 1822direkt: 24 to 120 months vs 3 to 4 months.
- Support channels: only 1822direkt offers Phone, Help centre.
- Loan types: only 1822direkt offers Car, Credit line.
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.
Crezu
Crezu suits borrowers in the Philippines who need a small short-term loan and want no arrangement fee from the broker, with 12% to 36% across PHP 500 to PHP 25,000. The catch is the representative example, where the same loan costs far more than it borrows, and support runs on email only.
Score breakdown
| Area | 1822direkt | Crezu |
|---|---|---|
| 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). | 8.8 |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.2APR 12% to 36% and origination fee 0 PHP - no service fee shape the offer. |
| Trust | 8.6Higher | 8.3 |
From lowest to highest
| Fact | 1822direkt | Crezu |
|---|---|---|
| Term | 24 to 120 months | 3 to 4 months |
What each covers
| Loan types | 1822direkt | Crezu |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Car | Yes | No |
| Use cases | 1822direkt | Crezu |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | 1822direkt | Crezu |
|---|---|---|
| Personal loans | 644 of 1920 | 48 of 1920 |
| Debt consolidation loans | 215 of 425 | 18 of 425 |
| Home improvement loans | 289 of 562 | 21 of 562 |
A third option
Sofkredit has term at 6 to 240 months, against 24 to 120 months for 1822direkt and 3 to 4 months for Crezu.
Sofkredit reviewEvery fact side by side
| Fact | 1822direkt | Crezu |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Fininity OÜ (Fininity Ltd), company no. 14523902 |
| Headquarters | Germany | Estonia |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | 1822direkt | Crezu | Median |
|---|---|---|---|
| APR | 5.29%below the median | 12% to 36%above the median | 8.99% |
| Term | 24 to 120 monthshighest quarter | 3 to 4 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.
Crezu
Pros
- Origination fee 0 PHP - no service fee on both personal loans and debt consolidation, so nothing is taken for arranging the loan
- Funding speed Decision in 2 min, money in 15 min and same day funding make it workable when a bill has a short deadline
- 12% to 36% sits under the site median of 12%, which suits a careful borrower comparing total cost
Cons
- The representative example is the weak point: a small personal loan repaid inside 3 to 4 totals far more than the amount borrowed, so the headline 12% to 36% understates what is repaid
- Support runs on email only, so a question about a missed repayment waits on email rather than live help
- As a broker the contract sits with a partner lender, so the lender's own terms decide the cost
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%.
Crezu
Who it suits
- Borrowers in the Philippines who need a small sum quickly and already meet the eligibility rules: adults with a valid ID card, a phone number and a bank account
- Anyone tidying existing debt who wants a single debt consolidation loan rather than several small balances
- Cost conscious borrowers who read the representative example before applying and set aside the full repayment figure
Who should look elsewhere
- Borrowers who need a long repayment period, since terms run 3 to 4 and there is no room to stretch the balance
- Anyone who wants to speak to a person on the phone, because support runs on email only
- Readers who want a large sum for a big project, since Crezu ranks 669 of 685 brands on loan amount
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
Crezu
Current offer
Bonus
1st Credit with 0%: 0% interest on the first loan
First loan can be free of charge for new clients; otherwise lending rates from lenders run 12% to a maximum APR of 36%
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | Crezu |
|---|---|---|
| Germany | Yes | No |
| Philippines | 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.
Crezu
What does Crezu cost to borrow?+
Interest runs at 12% to 36% on both personal loans and debt consolidation loans, above the 12% typical for personal loans here. Origination fee 0 PHP - no service fee means the broker takes nothing for arranging it. The representative example shows a small personal loan repaid inside 3 to 4 at a total far higher than the sum borrowed, so the total repayment is the figure to plan around.
Is Crezu regulated or covered by a deposit protection scheme?+
Crezu is a broker, and the loans themselves come from partner lenders rather than from Crezu. No regulator and no deposit protection scheme is set out for the offer. What matters is the contract you sign with the partner lender, so read that document for the lender's own regulatory status before you borrow.
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