Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Lendo.no
What sets them apart
| Compare |  1822direkt |  Lendo.no |
|---|---|---|
| Initial rate | 3.87%Lower | 4.89% to 5.84% |
| APRC | 3.97%Lower | 5.37% |
| Fixed period | 10 years | 25 yearsHigher |
| Product fee | €0 | NOK 0 |
| Purpose | Purchase, Remortgage, Buy to letCovers more | Remortgage |
| Lender type | Broker | Marketplace |
Same on both: Maximum loan to value (90%).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.9.
- Founded is lower at 1822direkt: 1996 vs 2012.
- Initial rate is lower at 1822direkt: 3.87% vs 4.89% to 5.84%.
- APRC is lower at 1822direkt: 3.97% vs 5.37%.
- Fixed period is higher at Lendo.no: 25 years vs 10 years.
- Support channels: only Lendo.no offers Chat.
- Purpose: only 1822direkt offers Purchase, Buy to let.
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.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | 1822direkt | Lendo.no |
|---|---|---|
| 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). | 9.1 |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 8.6Higher | 8.4 |
How they place
| Ranking | 1822direkt | Lendo.no |
|---|---|---|
| Personal loans | 644 of 1920 | 810 of 1920 |
| Debt consolidation loans | 215 of 425 | 280 of 425 |
| Mortgages | 220 of 716 | 291 of 716 |
| Remortgage deals | 156 of 351 | 209 of 351 |
| Car loans | 192 of 432 | 255 of 432 |
| Home improvement loans | 289 of 562 | 365 of 562 |
Choosing between them
Pick 1822direkt if initial rate, aprc, and purpose matter most.
Pick Lendo.no if fixed period matter most.
If neither fits
DKB (Deutsche Kreditbank) has fixed period at 5 to 30 years, against 10 years for 1822direkt and 25 years for Lendo.no.
DKB (Deutsche Kreditbank) reviewEvery fact side by side
| Fact | 1822direkt | Lendo.no |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Lendo AS (org. nr. 997 523 814) |
| Headquarters | Germany | Norway |
| Founded | 1996Lower | 2012 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Loans
| Fact | 1822direkt | Lendo.no |
|---|---|---|
| APR | 5.29%Lower | 9.45% to 17.77% |
| Loan amount | €7,500 to €100,000 | NOK 10,000 to NOK 600,000 |
| Term | 24 to 120 months | 12 to 180 monthsHigher |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 NOK |
| Credit check | Hard | Hard |
| Funding time | Within 24 hours after digital signing | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days |
| Representative example | Not confirmed | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Credit line |
| Rate type | Fixed | Not confirmed |
| 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 | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Origination fee (%) | 0% | Not confirmed |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Debt consolidation, Credit line, Car, SecuredCovers more |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | 1822direkt | Lendo.no | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 4.89% to 5.84%above the median | 4.73% |
| APRC | 3.97%below the median | 5.37%above the median | 5.18% |
| Fixed period | 10 yearsat the median | 25 yearshighest quarter | 10 years |
| Maximum loan to value | 90%at the median | 90%at the median | 90% |
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.
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
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%.
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
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 | Lendo.no |
|---|---|---|
| Germany | Yes | No |
| Norway | 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.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.
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