Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs SOS Credit
Where 1822direkt and SOS Credit differ
| Compare |  1822direkt | SOS Credit ReviewVisitVisit |
|---|---|---|
| APR | 5.29%Lower | 1,187% to 185,297.8% |
| Loan amount | €7,500 to €100,000 | CZK 1,000 to CZK 30,000 |
| Term | 24 to 120 monthsHigher | 7 to 28 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 7,126 CZK total cost on an 8,000 CZK, 91-day first-loan-free loan, plus 1 CZK sent for identification |
| Funding time | Within 24 hours after digital signing | Within 15 minutes |
| Lender type | Broker | Direct lender |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | 18+, citizen of the Czech Republic or another EU member state with permanent residence in the Czech Republic, with regular monthly income and a Czech bank account |
| Origination fee (%) | 0%Lower | 89.1% |
| Loan types | Personal, Debt consolidation, Car, Credit line | Payday, Personal |
| Representative example | Not confirmed | First loan free (100% discount): loan of 8,000 CZK over 91 days, fixed annual interest 0%, RPSN (APR) 1187%, total payable 15,126 CZK |
| Free early repayment | Yes | 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
- 1822direkt scores higher overall: 9.0 vs 8.7.
- APR is lower at 1822direkt: 5.29% vs 1,187% to 185,297.8%.
- Origination fee (%) is lower at 1822direkt: 0% vs 89.1%.
- Term is higher at 1822direkt: 24 to 120 months vs 7 to 28 months.
- Loan types: only 1822direkt offers Debt consolidation, Car, Credit line.
- Loan types: only SOS Credit offers Payday.
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.
SOS Credit
SOS Credit suits Czech borrowers with regular income who need a small, fast loan and can handle steep fixed costs. It lends directly through Orange finance s.r.o. and funds within Within 15 minutes, but APR of 1,187% to 185,297.8% makes the price the thing to weigh.
Score breakdown
| Area | 1822direkt | SOS Credit |
|---|---|---|
| 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). | 8.0APR runs 1,187% to 185,297.8% on a fixed rate, well above the 12% site median. |
| Offer | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 8.8 |
| Trust | 8.6 | 9.2Higher |
Where these facts come from
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
SOS Credit
- soscredit.cz: 17 facts, checked September 26, 2026
How they place
| Ranking | 1822direkt | SOS Credit |
|---|---|---|
| Personal loans | 644 of 1920 | 134 of 1920 |
Every fact side by side
| Fact | 1822direkt | SOS Credit |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Orange finance s.r.o. (IC 04488237) |
| Headquarters | Germany | Czechia |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | SOS Credit | Median |
|---|---|---|---|
| APR | 5.29%below the median | 1,187% to 185,297.8%highest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 7 to 28 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 89.1%highest quarter | 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.
SOS Credit
Pros
- Funds arrive within Within 15 minutes, one of the faster turns around in this group
- Fixed rate loans, so payments do not shift with the market
- Lends directly as direct lender rather than routing you through a broker
Cons
- APR of 1,187% to 185,297.8% is a heavy cost for a short payday or personal loan
- A hard credit check means an application can leave a mark on your file
- Lending tops out at CZK 1,000 to CZK 30,000, so larger costs need another provider
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%.
SOS Credit
Who it suits
- Adults with regular monthly income and a Czech bank account
- People who value a quick decision over a low price
- Borrowers who can clear a hard credit check and repay within 7 to 28
Who should look elsewhere
- Anyone wanting cheaper borrowing, since APR reaches 1,187% to 185,297.8%
- People needing more than CZK 1,000 to CZK 30,000 or a longer term than 7 to 28
- Borrowers near the Czech personal loan median of 12% who can shop elsewhere
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
SOS Credit
Current offer
Discount code
First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free
New applicants; 1 CZK is sent to the client for identification when the contract is signed online
Source, checked September 26, 2026
Discount code
Automatic discount for repeat borrowers: Discount applicable to loans up to 15,000 CZK
Regular clients receive a discount automatically based on repeated requests
checked September 26, 2026
Country by country
| Country | 1822direkt | SOS Credit |
|---|---|---|
| Czechia | 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.
SOS Credit
How fast does SOS Credit pay out?+
Money is sent within Within 15 minutes once a loan is approved, and same-day funding is a listed feature. Applicants are adults with regular monthly income and a Czech bank account, so the account and income details matter as much as the clock.
What does a SOS Credit loan cost?+
The annual percentage rate runs 1,187% to 185,297.8%. On a first-loan-free promotion the example shows fixed annual interest at nil, yet the total payable is still well above the amount borrowed, which is why the headline discount needs reading alongside the RPSN.
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