Updated September 28, 2026 · BorrowCue Editorial Team
1822direkt vs Zonky
Where 1822direkt and Zonky differ
| Compare |  1822direkt |  Zonky |
|---|---|---|
| APR | 5.29% | 4.5% to 26.94%Lower |
| Loan amount | €7,500 to €100,000 | CZK 5,000 to CZK 2,000,000 |
| Term | 24 to 120 months | 12 to 120 months |
| Arrangement fee | 0 EUR (credit application processing is free of charge) | 2% of the loan amount |
| Funding time | Within 24 hours after digital signing | Within minutes if the bank supports instant payments; most applications decided the same day |
| Lender type | Broker | Marketplace |
| Eligibility | Minimum 18 years old, main residence in Germany, employed at least six months, permanent contract, no negative SCHUFA or CRIF Buergel entry | ID card plus 3 bank statements from the account where income arrives; sole traders: 3 statements from the business income account, no tax return needed |
| Origination fee (%) | 0%Lower | 2% |
| Loan types | Personal, Debt consolidation, Car, Credit line | Personal, Debt consolidation, Car, Business |
| Representative example | Not confirmed | Borrow CZK 235,000 at a fixed 6.49% for 96 months, instalment CZK 3,214, fee 2% = CZK 4,700, RPSN 7.25%, total CZK 308,510 |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- 1822direkt scores higher overall: 9.0 vs 8.7.
- Founded is lower at 1822direkt: 1996 vs 2014.
- APR is lower at Zonky: 4.5% to 26.94% vs 5.29%.
- Origination fee (%) is lower at 1822direkt: 0% vs 2%.
- Loan types: only 1822direkt offers Credit line.
- Loan types: only Zonky offers Business.
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.
Zonky
Zonky suits Czech borrowers with bank statements to spare who want a fixed-rate loan decided quickly. Most applications are decided the same day, and rates run 4.5% to 26.94%, but the arrangement fee is worth weighing before you compare the total repaid.
Score breakdown
| Area | 1822direkt | Zonky |
|---|---|---|
| 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 | 9.2HigherThe offer spans personal, debt consolidation and car, plus fixed-rate mortgages with free early repayment. | 9.0 |
| Trust | 8.6Higher | 8.3 |
How they place
| Ranking | 1822direkt | Zonky |
|---|---|---|
| Personal loans | 644 of 1920 | 135 of 1920 |
| Debt consolidation loans | 215 of 425 | 57 of 425 |
| Car loans | 192 of 432 | 35 of 432 |
| Home improvement loans | 289 of 562 | 64 of 562 |
Which one suits you
Pick 1822direkt if trust and origination fee (%) matter most.
Pick Zonky if apr matter most.
From lowest to highest
| Fact | 1822direkt | Zonky |
|---|---|---|
| Term | 24 to 120 months | 12 to 120 months |
Every fact side by side
| Fact | 1822direkt | Zonky |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | 1822direkt Gesellschaft der Frankfurter Sparkasse mbH | Air Bank a.s. |
| Headquarters | Germany | Czechia |
| Founded | 1996Lower | 2014 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | 1822direkt | Zonky | Median |
|---|---|---|---|
| APR | 5.29%below the median | 4.5% to 26.94%below the median | 8.99% |
| Term | 24 to 120 monthshighest quarter | 12 to 120 monthshighest quarter | 60 |
| Origination fee (%) | 0%below the median | 2%above the median | 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.
Zonky
Pros
- Most applications are decided the same day, with money moving within minutes when the bank supports instant payments (same day funding).
- Early repayment is free, so clearing the balance before the agreed end costs nothing extra.
- The rate is fixed across 12 to 120 terms, so the instalment does not drift.
Cons
- An arrangement fee of 2% of the loan amount is charged, which lifts the total repaid on every loan.
- Every application runs a hard credit check, and 72.7% of the loans on the site work the same way.
- Zonky runs as a marketplace, so the bank you end up with is decided rather than chosen.
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%.
Zonky
Who it suits
- Czech borrowers with statements from the account where income lands, ready for a hard check.
- Sole traders who can show business account statements and would rather not dig out a tax return.
- Anyone planning renovation, a car or debt consolidation, since personal, debt consolidation and car are all covered.
Who should look elsewhere
- Monzo Flex, if a lender quote at APR 10% to 23% suits you better than a marketplace.
- Cashspace, whose APR PHP 12 to PHP 36 is worth checking if your own quote lands at the pricier end.
- Cashspace ES, if the listed APR of 0% is the deciding factor for you.
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 | Zonky |
|---|---|---|
| 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.
Zonky
What does it cost to borrow from Zonky?+
Interest is fixed at a fixed rate structure with APR 4.5% to 26.94%, and there is an arrangement fee of 2% of the loan amount. The published representative example puts an instalment and a total repaid next to that fee, so the figure to compare across lenders is the total, not the headline rate.
How much can I borrow, and for how long?+
Loans run 12 to 120 and amounts run CZK 5,000 to CZK 2,000,000, so a small amount and a larger renovation are both inside the same fixed-rate product. Check the representative example to see what an instalment and the total repaid look like at your own figure before applying.
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