Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Deutsche Bank
What sets them apart
| Compare |  1822direkt |  Deutsche Bank |
|---|---|---|
| APR | 5.29% | 3.25% to 13.48%Lower |
| Loan amount | €7,500 to €100,000Higher | €3,000 to €80,000 |
| Term | 24 to 120 months | 12 to 120 months |
| Funding time | Within 24 hours after digital signing | Within a few days after document review and 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 | Of age (adult), non-self-employed with regular income, positive credit rating, residence in Germany |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Personal |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Not confirmed |
| Representative example | Not confirmed | Net loan 10,000 EUR, effective annual rate 9.71 %, fixed nominal rate 9.30 % p.a., 85 months, monthly instalment 164 EUR, total payable 13,737 EUR |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes).
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Key differences
- Deutsche Bank scores higher overall: 9.5 vs 9.0.
- Founded is lower at Deutsche Bank: 1870 vs 1996.
- APR is lower at Deutsche Bank: 3.25% to 13.48% vs 5.29%.
- Loan amount is higher at 1822direkt: €7,500 to €100,000 vs €3,000 to €80,000.
- Loan types: only 1822direkt offers Debt consolidation, 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.
Deutsche Bank
Deutsche Bank lends directly in Germany through Deutsche Bank AG, an institution trading since 1870. It suits salaried, non-self-employed adults living in Germany with a positive credit rating, and borrowers wanting €3,000 to €80,000 over a term of 12 to 120 for a larger purchase.
Score breakdown
| Area | 1822direkt | Deutsche Bank |
|---|---|---|
| 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). | 9.4Higher |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.3HigherDirect personal lending at 3.25% to 13.48%, a hard credit check, and payout Within a few days after document review and approval after approval. |
| Trust | 8.6 | 9.6Higher |
Ranges side by side
| Fact | 1822direkt | Deutsche Bank |
|---|---|---|
| Loan amount | €7,500 to €100,000 | €3,000 to €80,000 |
| Term | 24 to 120 months | 12 to 120 months |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
Deutsche Bank
508.95 to 2,213.22
508.95 to 2,213.22
Deutsche Bank comes out 327.51 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.
Positions in our rankings
| Ranking | 1822direkt | Deutsche Bank |
|---|---|---|
| Personal loans | 644 of 1920 | 260 of 1920 |
Every fact side by side
| Fact | 1822direkt | Deutsche Bank |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Deutsche Bank AG |
| Headquarters | Germany | Germany |
| Founded | 1996 | 1870Lower |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | Deutsche Bank | Median |
|---|---|---|---|
| APR | 5.29%below the median | 3.25% to 13.48%lowest quarter | 8.99% |
| Loan amount | €7,500 to €100,000highest quarter | €3,000 to €80,000highest quarter | €40,000 |
| Term | 24 to 120 monthshighest quarter | 12 to 120 monthshighest 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.
Deutsche Bank
Pros
- A direct lender, so you deal with the bank itself rather than a broker (direct lender)
- Interest stays put, listed as fixed pricing on a fixed rate model
- Early repayment is free, so clearing the balance early carries no charge
Cons
- Eligibility is narrow: non-self-employed, regular income, a positive credit rating and residence in Germany, so self-employed and thin-file applicants are turned down
- The hard credit check is shared by 76.5% of the lenders in this group, so a refusal can weigh on later applications
- A single market only, with lending confined to Germany
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%.
Deutsche Bank
Who it suits
- Salaried employees in Germany who can show a positive credit rating
- Anyone with an existing relationship at the bank and a larger sum to borrow
- Borrowers who want one fixed monthly payment and the option to settle early
Who should look elsewhere
- Self-employed applicants, who are not eligible for this loan
- Residents outside Germany, since lending is confined to that single market
- Small sums, where Cashspace ES charges 0% against 3.25% to 13.48% here
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
Deutsche Bank
Current offer
First period offer
Miles & More Blue Credit Card action: 12 monthly statements without card fee (then 5.50 EUR per month) plus 500 miles and 40 points on approval
Applications submitted by 30.09.2026
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | Deutsche Bank |
|---|---|---|
| Germany | Yes | 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.
Deutsche Bank
What rate would I pay for a personal loan from Deutsche Bank?+
The advertised rate is 3.25% to 13.48%, and it is fixed rather than variable, as fixed pricing confirms. The fixed rate model means the monthly payment stays the same across the term. A representative example shows a net loan repaid over a fixed period with a fixed nominal rate a year and a monthly instalment that does not change.
How much can I borrow?+
Loan amounts run €3,000 to €80,000, well above the €556.48 typical for personal loans on this site, so the lender suits bigger jobs such as a car, a kitchen or several balances rolled into a single payment. Term options run 12 to 120, and a hard credit check applies at application.
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