Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Kredit.de
Where 1822direkt and Kredit.de differ
| Compare |  1822direkt |  Kredit.de |
|---|---|---|
| Initial rate | 3.87% | 3.25%Lower |
| Fixed period | 10 years | 10 to 40 yearsHigher |
| Maximum loan to value | 90% | 110%Higher |
| Purpose | Purchase, Remortgage, Buy to let | Purchase, Remortgage, Home equity |
| APRC | 3.97% | Not confirmed |
Same on both: Product fee (€0), Lender type (Broker).
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Key differences
- Founded is lower at 1822direkt: 1996 vs 2017.
- Initial rate is lower at Kredit.de: 3.25% vs 3.87%.
- Fixed period is higher at Kredit.de: 10 to 40 years vs 10 years.
- Maximum loan to value is higher at Kredit.de: 110% vs 90%.
- Purpose: only 1822direkt offers Buy to let.
- Purpose: only Kredit.de offers Home equity.
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.
Kredit.de
Kredit.de is a German credit broker rather than a lender, so it suits adults in Germany holding a German current account who want lender offers compared side by side. Personal loans reach €120,000, and it ranks 27 of 685 brands on loan amount.
Score breakdown
| Area | 1822direkt | Kredit.de |
|---|---|---|
| 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). | 9.4HigherArrangement fee 0 EUR on personal loans, product fee €0 on home finance and an initial rate of 3.25% on property. |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.5Higher |
| Trust | 8.6Higher | 8.3 |
Licences and countries
| Country | 1822direkt | Kredit.de |
|---|---|---|
| Germany |
Available in 1 country for both.
Pick 1822direkt if, pick Kredit.de if
Pick 1822direkt if trust matter most.
Pick Kredit.de if offer, initial rate, fixed period, and maximum loan to value matter most.
Sources behind this comparison
1822direkt
- 1822direkt.de: 10 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Kredit.de
- kredit.de: 10 facts, checked September 26, 2026
How they place
| Ranking | 1822direkt | Kredit.de |
|---|---|---|
| Personal loans | 644 of 1920 | 699 of 1920 |
| Debt consolidation loans | 215 of 425 | 239 of 425 |
| Mortgages | 220 of 716 | 247 of 716 |
| Remortgage deals | 156 of 351 | 176 of 351 |
| Car loans | 192 of 432 | 214 of 432 |
| Home improvement loans | 289 of 562 | 313 of 562 |
Every fact side by side
| Fact | 1822direkt | Kredit.de |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | KREDIT.DE AG |
| Headquarters | Germany | Germany |
| Founded | 1996Lower | 2017 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Loans
| Fact | 1822direkt | Kredit.de |
|---|---|---|
| APR | 5.29% | Not confirmed |
| Loan amount | €7,500 to €100,000 | €120,000Higher |
| Term | 24 to 120 months | 12 to 120 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Within 24 hours after digital signing | Loan amount usually credited to the account within a few business days |
| Representative example | Not confirmed | Example personal loan: 12,000 EUR, 6.17% effective annual rate, 56 months, 250.00 EUR monthly rate, total cost 13,756.13 EUR |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Fixed |
| Free early repayment | Yes | Yes |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Minimum age 18, main residence in Germany, German current account, sufficient and secured income |
| Origination fee (%) | 0% | 0% |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Car, Debt consolidation, Secured |
| Credit needed | Good | Poor |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | 1822direkt | Kredit.de | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 3.25%lowest quarter | 4.73% |
| APRC | 3.97%below the median | Not confirmed | 5.18% |
| Fixed period | 10 yearsat the median | 10 to 40 yearshighest quarter | 10 years |
| Maximum loan to value | 90%at the median | 110%highest quarter | 90% |
| Product fee | €0at the median | €0at the median | €0 |
Median across 286 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.
Kredit.de
Pros
- The arrangement fee on personal loans is 0 EUR and the product fee on home finance is €0, so there is no upfront charge to weigh up.
- Personal loans reach €120,000 with terms running 12 to 120, well past the €2,500 upper quartile of amounts listed.
- Early repayment is free, as it is for 79.5% of the lenders compared.
Cons
- Kredit.de is a broker, so the rate comes from the partner lender rather than a published price.
- Pricing runs on a fixed model under fixed rate terms, leaving no variable rate option to switch to.
- Support runs on phone, email and help centre only, with no live chat for quick questions.
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%.
Kredit.de
Who it suits
- Adults living in Germany with a German current account and income they can evidence, since eligibility asks for all of these.
- Borrowers after a car loan, debt consolidation or a secured loan, as personal, car and debt consolidation covers those alongside personal lending.
- Homebuyers and remortgagors wanting a maximum loan to value of 110% on fixed periods of 10 to 40.
Who should look elsewhere
- Monzo Flex, which lends £10,000 to £35,000, belongs to a different currency market than the euro €120,000 range at Kredit.de.
- Cashspace ES, capped at €100 to €5,000, is too small for a larger home project, where Kredit.de covers €120,000.
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 | Kredit.de |
|---|---|---|
| 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.
Kredit.de
What does Kredit.de charge for arranging a loan?+
Personal loans carry an arrangement fee of 0 EUR, and residential home finance a product fee of €0. A representative example is published for a personal loan, showing the effective annual rate, the monthly instalment and the total cost of borrowing.
How much can I borrow, and for how long?+
Personal loans reach €120,000 with terms running 12 to 120. On property finance the site quotes an initial rate of 3.25% with a maximum loan to value of 110%, above the 90% across these listings, on fixed periods of 10 to 40.
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