Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Sambla
1822direkt vs Sambla: the differences
| Compare |  1822direkt |  Sambla |
|---|---|---|
| APR | 5.29%Lower | 7.92% to 13.24% |
| Loan amount | €7,500 to €100,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Within 24 hours after digital signing | Usually 1-3 days from signing to payout |
| Rate type | Fixed | Variable |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Debt consolidation, Car, Secured |
| Credit needed | Good | Fair |
| Term | 24 to 120 months | Not confirmed |
| Representative example | Not confirmed | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Use cases (Home improvement).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.9.
- Founded is lower at 1822direkt: 1996 vs 2014.
- APR is lower at 1822direkt: 5.29% vs 7.92% to 13.24%.
- Support channels: only Sambla offers Chat.
- Loan types: only 1822direkt offers Credit line.
- Loan types: only Sambla offers Secured.
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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | 1822direkt | Sambla |
|---|---|---|
| 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. | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 8.6Higher | 8.4 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
836.46
836.46
Sambla
1,267.81 to 2,171.48
1,267.81 to 2,171.48
1822direkt comes out 431.35 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 each covers
| Loan types | 1822direkt | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | Yes | Yes |
| Use cases | 1822direkt | Sambla |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | 1822direkt | Sambla |
|---|---|---|
| Personal loans | 644 of 1920 | 844 of 1920 |
| Debt consolidation loans | 215 of 425 | 291 of 425 |
| Car loans | 192 of 432 | 268 of 432 |
| Home improvement loans | 289 of 562 | 381 of 562 |
Where these facts come from
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Sambla
- sambla.se: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | Sambla |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Sambla Group AB |
| Headquarters | Germany | Sweden |
| Founded | 1996Lower | 2014 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | 1822direkt | Sambla | Median |
|---|---|---|---|
| APR | 5.29%below the median | 7.92% to 13.24%below the median | 8.99% |
| Term | 24 to 120 monthshighest quarter | Not confirmed | 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.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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%.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
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 | Sambla |
|---|---|---|
| Germany | Yes | No |
| Sweden | 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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
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