Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs ExpressCredit Lesotho
1822direkt vs ExpressCredit Lesotho: the differences
| Compare |  1822direkt |  ExpressCredit Lesotho |
|---|---|---|
| APR | 5.29%Lower | 36% |
| Loan amount | €7,500 to €100,000 | LSL 1,500 to LSL 700,000 |
| Term | 24 to 120 months | 3 to 120 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | M 4,000 issuance fee plus M 999.60 handling fee (Government loan) |
| Funding time | Within 24 hours after digital signing | Same day approval, money transferred within 24 hours to bank account |
| Rate type | Fixed | Variable |
| 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 | 21 years or older, citizen of Lesotho, permanently employed by the Government |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Payday |
| Representative example | Not confirmed | Government loan: M 20,000 over 84 months, issuance fee M 4,000, interest M 27,023.05, handling fee M 999.60, total repayment M 51,996, monthly instalment M 619, APR 36% |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.8.
- APR is lower at 1822direkt: 5.29% vs 36%.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only ExpressCredit Lesotho 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.
ExpressCredit Lesotho
ExpressCredit lends personal and payday loans in Lesotho, aimed squarely at permanent Government employees who need cash quickly. An APR of 36% and fees that sit on the Government loan make it one of the costlier options on the board, though the same day funding and a Central Bank of Lesotho licence are real positives.
Score breakdown
| Area | 1822direkt | ExpressCredit Lesotho |
|---|---|---|
| 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). | 8.3APR of 36% against a site median of 12%, with issuance and handling fees added to the Government loan. |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.8 |
| Trust | 8.6 | 9.2Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
ExpressCredit Lesotho
6,489.37
6,489.37
1822direkt comes out 5,652.91 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.
Which one suits you
Pick 1822direkt if cost, offer, and apr matter most.
Pick ExpressCredit Lesotho if trust matter most.
How they place
| Ranking | 1822direkt | ExpressCredit Lesotho |
|---|---|---|
| Personal loans | 644 of 1920 | 903 of 1920 |
Where each is licensed and available
| Country | 1822direkt | ExpressCredit Lesotho |
|---|---|---|
| Germany | Not confirmed | |
| Lesotho | Not confirmed | Central Bank of Lesotho 68483 |
Additional countries for 1822direkt: 1. Additional countries for ExpressCredit Lesotho: 1.
Sources behind this comparison
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
ExpressCredit Lesotho
- expresscredit.co.ls: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | ExpressCredit Lesotho |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | ExpressCredit Limited |
| Headquarters | Germany | Lesotho |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | ExpressCredit Lesotho | Median |
|---|---|---|---|
| APR | 5.29%below the median | 36%highest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 3 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.
ExpressCredit Lesotho
Pros
- Same-day funding is built in, same day funding, with approval the same day and the money moved to your bank account.
- Loan amounts run LSL 1,500 to LSL 700,000, with terms of 3 to 120 months, so both small payday needs and larger personal loans are covered.
- The Central Bank of Lesotho licence is 68483, and the lender deals direct, direct lender, rather than through a broker.
Cons
- An APR of 36% sits above the site median of 12% and the upper quartile of 24.92%.
- Pricing is variable, variable, so the rate you start on can move instead of staying level.
- The credit check is hard, hard, so a full search is run on your file.
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%.
ExpressCredit Lesotho
Who it suits
- Permanent Government employees in Lesotho, the stated eligibility for both personal and payday loans
- Borrowers who need the money the same day and can live with a variable rate
- Anyone who prefers dealing with a licensed lender in Lesotho rather than a broker
Who should look elsewhere
- Cashspace, whose APR range of PHP 12 to PHP 36 starts lower than this lender's
- Cashspace ES, whose listed APR of 0% undercuts the cost here
- Monzo Flex, whose APR range of 10% to 23% is aimed at a different market than a Lesotho lender
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 | ExpressCredit Lesotho |
|---|---|---|
| Germany | Yes | No |
| Lesotho | 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.
ExpressCredit Lesotho
What APR does ExpressCredit charge?+
The stated APR is 36% on the long-term loan, against a site median of 12% and an upper quartile of 24.92%. The rate type is variable, variable, so the figure you are quoted can shift over the life of the loan.
Are there fees on top of the interest?+
On the Government loan an issuance fee and a handling fee are charged alongside the interest, and a loan running 3 to 120 months carries both from the start. The representative example for that offer shows the total repayable sitting far above the amount borrowed.
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