Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs SMBC card loan
1822direkt vs SMBC card loan: the differences
| Compare |  1822direkt | SMBC card loan ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 5.29% | 1.5% to 14.5%Lower |
| Loan amount | €7,500 to €100,000 | ¥100,000 to ¥8,000,000 |
| Term | 24 to 120 months | 480 monthsHigher |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Individuals aged 20 to 69 resident in Japan; SMBC bank account or SMBC card required for some channels |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Credit line, Cash advance |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | Not confirmed |
| Funding time | Within 24 hours after digital signing | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed).
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Key differences
- SMBC card loan scores higher overall: 9.1 vs 9.0.
- APR is lower at SMBC card loan: 1.5% to 14.5% vs 5.29%.
- Free early repayment: only 1822direkt.
- Term is higher at SMBC card loan: 480 months vs 24 to 120 months.
- Support channels: only 1822direkt offers Email, Help centre.
- Loan types: only 1822direkt offers Debt consolidation, Car.
- Loan types: only SMBC card loan offers Cash advance.
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.
SMBC card loan
SMBC card loan is a large, fixed rate revolving loan for adults living in Japan who already bank with the bank. It suits borrowers who want one long term and a reusable limit; the APR runs 1.5% to 14.5% on a balance of ¥100,000 to ¥8,000,000.
Score breakdown
| Area | 1822direkt | SMBC card loan |
|---|---|---|
| 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). | 8.9 |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.1Fixed rate on a credit line of ¥100,000 to ¥8,000,000 at an APR of 1.5% to 14.5%, from a direct lender. |
| Trust | 8.6 | 9.2Higher |
How they place
| Ranking | 1822direkt | SMBC card loan |
|---|---|---|
| Personal loans | 644 of 1920 | 622 of 1920 |
What each covers
| Loan types | 1822direkt | SMBC card loan |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | Yes |
| Car | Yes | No |
| Cash advance | No | Yes |
Availability and regulation
| Country | 1822direkt | SMBC card loan |
|---|---|---|
| Germany | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for SMBC card loan: 1.
Choosing between them
Pick 1822direkt if cost and free early repayment matter most.
Pick SMBC card loan if trust, apr, and term matter most.
Every fact side by side
| Fact | 1822direkt | SMBC card loan |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Not confirmed |
| Headquarters | Germany | Japan |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Phone |
Where each stands against the rest
| Fact | 1822direkt | SMBC card loan | Median |
|---|---|---|---|
| APR | 5.29%below the median | 1.5% to 14.5%lowest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 480 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.
SMBC card loan
Pros
- One fixed rate holds for the life of the loan, so payments stay level.
- A revolving credit line lets you draw, repay and redraw within the same limit.
- A hard credit check means a decision is made on your file, not guesswork.
Cons
- Free early repayment is no, so clearing the balance sooner does not reduce the total cost.
- Support runs on phone only, with no written help channel listed.
- Some channels ask for an SMBC bank account or an SMBC card, which narrows who can apply.
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%.
SMBC card loan
Who it suits
- Adults resident in Japan who hold an SMBC account or card
- Borrowers wanting a fixed rate that does not move with the market
- People who will draw and repay on a revolving limit rather than take a lump sum
Who should look elsewhere
- Anyone wanting to pay a loan off early, since free early repayment is no
- Borrowers who need help by email or live chat, as support runs on phone only
- Applicants with no SMBC account and no SMBC card, which some channels ask for
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 | SMBC card loan |
|---|---|---|
| Germany | Yes | No |
| Japan | 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.
SMBC card loan
What rate does the SMBC card loan charge?+
Interest is fixed, so the rate you are offered does not change while the loan runs. The published range is an APR of 1.5% to 14.5%, and the rate type is fixed. Rates are set individually, so the figure you see may sit anywhere inside that range.
How much can I borrow?+
The credit line runs from ¥100,000 to ¥8,000,000, which is a large limit by Japanese standards and well above the typical amount on the site. You can draw part of it and repay before drawing again, so you only pay interest on what you use.
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