Updated September 29, 2026 · BorrowCue Editorial Team

1822direkt vs Qonto ES

1822direkt scores 9.0 and Qonto ES 8.6 out of 10. Compare their differences and shared features below.

1822direkt

9.0/10

Facts checked September 26, 2026.

Qonto ES

8.6/10

Facts checked September 26, 2026.

1822direkt vs Qonto ES: the differences

1822direkt vs Qonto ES
Compare
1822direkt1822direkt
ReviewSee alternativesSee alternatives
Qonto ESQonto ES
ReviewVisitVisit
APR5.29%Lower19.5%
Loan amount€7,500 to €100,000€750 to €1,000,000Higher
Term24 to 120 monthsHigher1 to 12 months
Funding timeWithin 24 hours after digital signingAnswer within max 48 h, money in the Qonto account within a few days
EligibilityMinimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entryPragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required
Loan typesPersonal, Debt consolidation, Car, Credit lineBusiness, Credit line
Arrangement fee0 EUR (credit application processing is free of charge)Not confirmed
Free early repaymentYesNot confirmed
Origination fee (%)0%Not confirmed
Use casesHome improvementNot confirmed

Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Broker), Credit needed (Good).

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Key differences

  • 1822direkt scores higher overall: 9.0 vs 8.6.
  • Qonto ES is licensed in 1 more country.
  • Qonto ES is available in 29 more countries.
  • APR is lower at 1822direkt: 5.29% vs 19.5%.
  • Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €7,500 to €100,000.
  • Term is higher at 1822direkt: 24 to 120 months vs 1 to 12 months.
  • Support channels: only Qonto ES offers Chat.
  • Loan types: only 1822direkt offers Personal, Debt consolidation, Car.
  • Loan types: only Qonto ES offers Business.

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.

Read the full 1822direkt review

Qonto ES

Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.

Read the full Qonto ES review

Score breakdown

1822direkt vs Qonto ES
Area1822direktQonto ES
Cost9.3HigherMortgage product fees are €0, while personal-loan application processing carries an origination fee of 0 EUR (credit application processing is free of charge).8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check.
Offer9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment.9.0
Trust8.6Higher8.3

Ranges side by side

1822direkt vs Qonto ES
Fact1822direktQonto ES
Loan amount€7,500 to €100,000€750 to €1,000,000
Term24 to 120 months1 to 12 months

A third option

Deudafix has loan amount at €5,000 to €5,000,000, against €7,500 to €100,000 for 1822direkt and €750 to €1,000,000 for Qonto ES.

Deudafix review

Sources behind this comparison

1822direkt

  • 1822direkt.de: 18 facts, checked September 26, 2026
  • de.wikipedia.org: 1 fact, checked September 26, 2026

Qonto ES

  • qonto.com: 13 facts, checked September 26, 2026
  • euclid.eba.europa.eu: 2 facts, checked September 26, 2026

Every fact side by side

1822direkt vs Qonto ES
Fact1822direktQonto ES
Pricing modelFixed rateFixed rate
FeaturesNot confirmedCredit line
Legal entity1822direkt Gesellschaft der Frankfurter Sparkasse mbHQONTO
HeadquartersGermanyFrance
Founded1996Not confirmed
Support channelsEmail, Phone, Help centreChat, Email, Phone, Help centreCovers more

Where each stands against the rest

1822direkt vs Qonto ES
Fact1822direktQonto ESMedian
APR5.29%below the median19.5%highest quarter8.99%
Loan amount€7,500 to €100,000highest quarter€750 to €1,000,000highest quarter€40,000
Term24 to 120 monthshighest quarter1 to 12 monthslowest quarter60
Origination fee (%)0%below the medianNot confirmed0.25%

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.

Qonto ES

Pros

  • The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
  • The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
  • Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.

Cons

  • The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
  • The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
  • The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.

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%.

Qonto ES

Who it suits

  • Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
  • Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
  • Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.

Who should look elsewhere

  • Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
  • Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
  • Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.

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

Qonto ES

Current offer

  • Bonus

    Welcome bonus (Bono de Bienvenida): 300 EUR

    Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn

    Source, checked September 26, 2026

  • First period offer

    Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR

    Approved financing request through the PragmaGO partner offer

    Source, checked September 26, 2026

Country by country

1822direkt vs Qonto ES
Country1822direktQonto ES
AustriaNoYes
BelgiumNoYes
BulgariaNoYes
CroatiaNoYes
CyprusNoYes
CzechiaNoYes
DenmarkNoYes
EstoniaNoYes

8 of 30 countries where either is available.

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.

Qonto ES

What rate do I pay on this business line?+

The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.

Is the rate fixed, or can it change?+

It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.

Other options to compare

Other matchups

1822direkt

1822direkt

Higher score in this comparison

9.0/10See alternatives

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