Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Zmarta
Where 1822direkt and Zmarta differ
| Compare |  1822direkt |  Zmarta |
|---|---|---|
| Initial rate | 3.87% | 2.58%Lower |
| Fixed period | 10 yearsHigher | 0.25 years |
| Product fee | €0 | SEK 0 |
| Purpose | Purchase, Remortgage, Buy to letCovers more | Purchase, Remortgage |
| APRC | 3.97% | Not confirmed |
Same on both: Maximum loan to value (90%), Lender type (Broker).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Zmarta scores higher overall: 9.2 vs 9.0.
- Founded is lower at 1822direkt: 1996 vs 1999.
- Initial rate is lower at Zmarta: 2.58% vs 3.87%.
- Fixed period is higher at 1822direkt: 10 years vs 0.25 years.
- Purpose: only 1822direkt offers Buy to let.
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.
Zmarta
Zmarta suits Swedish borrowers who want a single application to reach partner banks for a personal or consolidation loan, and it also places home loans. Borrowing runs to SEK 800,000, the worked example term is 60 months, and home loans reach a 90% loan to value.
Score breakdown
| Area | 1822direkt | Zmarta |
|---|---|---|
| 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). | 9.3APR of 7.22% against 12% across the site, and an arrangement fee of 0 SEK on personal loans. |
| Offer | 9.2The offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.6HigherBroker covering personal and debt consolidation plus home improvement, so home and debt costs sit under a single brand. |
| Trust | 8.6 | 8.7Higher |
Positions in our rankings
| Ranking | 1822direkt | Zmarta |
|---|---|---|
| Personal loans | 644 of 1920 | 506 of 1920 |
| Debt consolidation loans | 215 of 425 | 156 of 425 |
| Mortgages | 220 of 716 | 152 of 716 |
| Remortgage deals | 156 of 351 | 105 of 351 |
| Home improvement loans | 289 of 562 | 208 of 562 |
Licences and countries
| Country | 1822direkt | Zmarta |
|---|---|---|
| Germany | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for 1822direkt: 1. Additional countries for Zmarta: 1.
If neither fits
Sofkredit has fixed period at 0.5 to 20 years, against 10 years for 1822direkt and 0.25 years for Zmarta.
Sofkredit reviewEvery fact side by side
| Fact | 1822direkt | Zmarta |
|---|---|---|
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Zmarta AB |
| Headquarters | Germany | Sweden |
| Founded | 1996Lower | 1999 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Loans
| Fact | 1822direkt | Zmarta |
|---|---|---|
| APR | 5.29%Lower | 7.22% |
| Loan amount | €7,500 to €100,000 | SEK 800,000 |
| Term | 24 to 120 monthsHigher | 60 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 0 SEK |
| Credit check | Hard | Hard |
| Funding time | Within 24 hours after digital signing | 1-4 days after signing the loan agreement |
| Representative example | Not confirmed | Loan of 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22% |
| Pricing model | Fixed rate | Fixed rate |
| Rate type | Fixed | Variable |
| Free early repayment | Yes | Yes |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks) |
| Origination fee (%) | 0% | 0% |
| Loan types | Personal, Debt consolidation, Car, Credit lineCovers more | Personal, Debt consolidation |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | 1822direkt | Zmarta | Median |
|---|---|---|---|
| Initial rate | 3.87%below the median | 2.58%lowest quarter | 4.73% |
| APRC | 3.97%below the median | Not confirmed | 5.18% |
| Fixed period | 10 yearsat the median | 0.25 yearslowest quarter | 10 years |
| Maximum loan to value | 90%at the median | 90%at the median | 90% |
Median across 286 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.
Zmarta
Pros
- Early repayment is free, so overtime or a bonus can clear the balance early.
- The lender type is broker, so one application reaches several partner banks.
- A fixed rate model on the home loan side, with an initial rate of 2.58%.
Cons
- A hard credit check runs on applications, and eligibility bars applicants with unpaid debts at the Swedish Enforcement Authority, save for some partner banks.
- Payout waits 1-4 days after signing the loan agreement after the agreement is signed, so urgent bills need a different plan.
- Support runs on phone, email and help centre only, with no live chat among the listed channels.
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%.
Zmarta
Who it suits
- Adults in Sweden with a steady income and no unpaid debts held by the Swedish Enforcement Authority, since eligibility is checked up front.
- People consolidating existing debts, as personal and debt consolidation covers personal and consolidation lending.
- Homeowners funding renovations, the home improvement use case listed for the unsecured loan.
Who should look elsewhere
- Readers who need money sooner, since Zmarta pays out 1-4 days after signing the loan agreement after signing and can be lined up against Monzo Flex at 10% to 23%.
- Cost-first borrowers, who should set Zmarta's 7.22% against Cashspace ES at 0% and Cashspace at PHP 12 to PHP 36.
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 | Zmarta |
|---|---|---|
| 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.
Zmarta
What rate will I pay on a Zmarta personal loan?+
The listed rate is an APR of 7.22%. The worked example pairs that effective rate with a nominal rate a little lower, so the figure to compare on is the effective one. Across the site the median APR sits at 12%, which places Zmarta below the middle of the field.
Does Zmarta charge arrangement or product fees?+
On personal loans the origination fee is 0 SEK and the percentage fee is 0%, so borrowing carries no upfront charge. On the mortgage side the product fee is listed as SEK 0. Early repayment is free too, so overpaying is not penalised.
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