Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Tamara
1822direkt vs Tamara: the differences
| Compare |  1822direkt |  Tamara |
|---|---|---|
| APR | 5.29% | 0%Lower |
| Loan amount | €7,500 to €100,000 | up to SAR 50,000 |
| Term | 24 to 120 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | SAR 0 (Pay in 3) |
| 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+ and citizen or resident of Saudi Arabia, UAE or Kuwait; 21+ and citizen of Bahrain |
| Loan types | Personal, Debt consolidation, Car, Credit line | BNPL |
| Funding time | Within 24 hours after digital signing | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Tamara scores higher overall: 9.4 vs 9.0.
- Tamara is available in 3 more countries.
- APR is lower at Tamara: 0% vs 5.29%.
- Term is higher at 1822direkt: 24 to 120 months vs 3 to 24 months.
- Loan types: only 1822direkt offers Personal, Debt consolidation, Car.
- Loan types: only Tamara offers BNPL.
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.
Tamara
Tamara suits Gulf shoppers who want to split a purchase and pay nothing in interest. Its APR of 0% and an origination fee of SAR 0 (Pay in 3) make it the cheapest of these brands, while a hard credit check and a 3 to 24 term window keep it a short commitment.
Score breakdown
| Area | 1822direkt | Tamara |
|---|---|---|
| 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). | 9.9HigherAPR of 0% and an origination fee of SAR 0 (Pay in 3) on the interest free plan, against 9.5% to 3,696% at Solcredito MX. |
| 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 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
1822direkt
560.33
560.33
Tamara
0
0
Tamara comes out 560.33 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.
Feature by feature
| Loan types | 1822direkt | Tamara |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
| Car | Yes | No |
| BNPL | No | Yes |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 5.29% for 1822direkt and 0% for Tamara.
FINANZCHECK.de reviewWhat we checked
1822direkt
- 1822direkt.de: 18 facts, checked September 26, 2026
- de.wikipedia.org: 1 fact, checked September 26, 2026
Tamara
- tamara.co: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | 1822direkt | Tamara |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Tamara Finance Company |
| Headquarters | Germany | Saudi Arabia |
| Founded | 1996 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | Tamara | Median |
|---|---|---|---|
| APR | 5.29%below the median | 0%lowest quarter | 8.99% |
| Term | 24 to 120 monthshighest quarter | 3 to 24 monthslowest 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.
Tamara
Pros
- APR of 0%, against 9.5% to 3,696% at Solcredito MX
- An origination fee of SAR 0 (Pay in 3) on the interest free plan
- Licensed by the Saudi Central Bank (SAMA) under 95/A Sh/202502
Cons
- The credit check is hard, so any application is recorded on the file
- Terms run 3 to 24, so a long repayment window is not offered
- Buy now pay later is the only product listed under bnpl, with no consolidation or credit line
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%.
Tamara
Who it suits
- Adults who are citizens or residents of Saudi Arabia, the UAE or Kuwait, and adult citizens of Bahrain, splitting a purchase at a merchant
- Readers who want a regulated direct lender with nothing charged in interest on the short plan
- Shoppers with a larger basket in mind, since amounts reach up to SAR 50,000
Who should look elsewhere
- Readers who need a debt consolidation loan or a credit line, since buy now pay later is the only product under bnpl
- Anyone who wants a soft prequalification rather than a hard credit check, or who lives outside the Gulf markets Tamara serves
- Borrowers after a small personal loan, where Kviku's ceiling of up to €2,000 is a better fit, or a much larger one, where Oney Préstamos ES runs to €1,000 to €45,000
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
Tamara
Current offer
First period offer
Tamara Smart free first month: Free for the first month, then 19 SAR monthly
Tamara Smart membership subscription; pays 19 SAR monthly afterwards
Source, checked September 26, 2026
Country by country
| Country | 1822direkt | Tamara |
|---|---|---|
| Bahrain | No | Yes |
| Germany | Yes | No |
| Kuwait | No | Yes |
| Saudi Arabia | No | Yes |
| United Arab Emirates | 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.
Tamara
What does it cost to split a purchase with Tamara?+
The APR is 0% on the interest free plan, so nothing accrues on the balance. The origination fee is SAR 0 (Pay in 3) on that same plan, which means there is no separate setup charge either. Solcredito MX, by contrast, charges an APR of 9.5% to 3,696%.
Is Tamara regulated?+
Yes. In Saudi Arabia the lender is licensed by the Saudi Central Bank (SAMA), and the licence number is 95/A Sh/202502. The contracting entity is Tamara Finance Company, which is headquartered in Saudi Arabia and lends its own money rather than passing borrowers on.
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