Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Rahalaitos
Where 1822direkt and Rahalaitos differ
| Compare |  1822direkt |  Rahalaitos |
|---|---|---|
| APR | 5.29% | 4.5% to 19.9%Lower |
| Loan amount | €7,500 to €100,000Higher | €500 to €70,000 |
| Term | 24 to 120 months | 12 to 180 monthsHigher |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 EUR (free of charge for the applicant) |
| Funding time | Within 24 hours after digital signing | personal loan offers within 24h, the first within a minute |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Age 20 or over, permanent residence in Finland with a Finnish address, regular income over EUR 600 per month, clean credit record |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Debt consolidation, Payday, Car, Guarantor |
| Representative example | Not confirmed | 5,000 EUR loan over 12 months, rate about 9.56%, interest costs about 262.68 EUR |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Free early repayment (Yes), Credit needed (Good), Use cases (Home improvement).
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Key differences
- Founded is lower at 1822direkt: 1996 vs 2011.
- APR is lower at Rahalaitos: 4.5% to 19.9% vs 5.29%.
- Loan amount is higher at 1822direkt: €7,500 to €100,000 vs €500 to €70,000.
- Term is higher at Rahalaitos: 12 to 180 months vs 24 to 120 months.
- Loan types: only 1822direkt offers Credit line.
- Loan types: only Rahalaitos offers Payday, Guarantor.
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.
Rahalaitos
Rahalaitos suits Finnish borrowers with a clean credit record and regular income who want a single application to reach several lenders. It charges applicants nothing to start, lends at rates of 4.5% to 19.9% in Finland and lists an offer score of 4.6.
Score breakdown
| Area | 1822direkt | Rahalaitos |
|---|---|---|
| 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). | 9.3 |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.1 |
| Trust | 8.6Higher | 8.5 |
Licences and countries
| Country | 1822direkt | Rahalaitos |
|---|---|---|
| Germany | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for Rahalaitos: 1.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
Rahalaitos
708.89 to 3,360.55
708.89 to 3,360.55
Rahalaitos comes out 127.57 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.
What we checked
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Rahalaitos
- rahalaitos.fi: 18 facts, checked September 26, 2026
How they place
| Ranking | 1822direkt | Rahalaitos |
|---|---|---|
| Personal loans | 644 of 1920 | 106 of 1920 |
| Debt consolidation loans | 215 of 425 | 42 of 425 |
| Car loans | 192 of 432 | 26 of 432 |
| Home improvement loans | 289 of 562 | 51 of 562 |
Every fact side by side
| Fact | 1822direkt | Rahalaitos |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Sambla Group Oy |
| Headquarters | Germany | Finland |
| Founded | 1996Lower | 2011 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | Rahalaitos | Median |
|---|---|---|---|
| APR | 5.29%below the median | 4.5% to 19.9%below the median | 8.99% |
| Loan amount | €7,500 to €100,000highest quarter | €500 to €70,000above the median | €40,000 |
| Term | 24 to 120 monthshighest quarter | 12 to 180 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.
Rahalaitos
Pros
- The origination charge is 0 EUR (free of charge for the applicant), so putting an application through costs nothing
- Rates run 4.5% to 19.9% across amounts of €500 to €70,000 and terms of 12 to 180
- Loan purposes span personal, debt consolidation and payday, from personal loans to car finance
Cons
- Applications run a hard credit search, and the result is recorded on the credit file
- Eligibility is narrow: adults only, permanent Finnish residence with a Finnish address, regular income and a clean credit record
- Rahalaitos works as a broker, and the final rate comes from the partner bank the application reaches
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%.
Rahalaitos
Who it suits
- Adults living permanently in Finland with a Finnish address and regular income
- Borrowers with a clean credit record and a good credit standing
- People who would rather see several lender offers than apply to a single bank
Who should look elsewhere
- Anyone living outside Finland, since eligibility is limited to permanent residents with a Finnish address, with Monzo Flex the alternative to weigh at 10% to 23%
- Borrowers with a marked credit record, because the hard credit search and a clean record requirement stand in the way, with Cashspace listing PHP 12 to PHP 36
- People who want a named lender on the paperwork, because Rahalaitos works as a broker while Monzo Flex quotes 10% to 23% direct
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 | Rahalaitos |
|---|---|---|
| Finland | No | Yes |
| Germany | Yes | No |
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.
Rahalaitos
What rate will I pay on a Rahalaitos loan?+
The stated rate runs 4.5% to 19.9% depending on your profile and the partner lender. A worked example on the calculator pairs a modest loan with a rate nearer the bottom of that range and modest interest costs. The rate offered to you depends on your own credit standing.
Does it cost anything to apply?+
The origination charge is 0 EUR (free of charge for the applicant), so putting an application through Rahalaitos adds nothing to the cost of borrowing. Support runs by email, phone and a help centre if you want any part of the offer explained before you commit.
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