1822direkt Review & Experience
Bank • Loans 2.500,00 € - 50.000,00 €
💳 Apply for 1822direkt Loan
APR from 4.45% • Approval in 96h
Apply Now →Affiliate link • Commission-based
📊 1822direkt at a Glance
General Information
- Provider type: Bank
- Rating: 8.2/10
- Legal name: 1822direkt Gesellschaft der Frankfurter Sparkasse mbH
- Approval rate: ~78%
Loan Terms
- Loan amount: 2.500,00 € - 50.000,00 €
- APR: 4.45% - 12.45%
- Speed: 96h
Example Calculation (APR) at 1822direkt
This example calculation is for orientation only. Your personal APR depends on creditworthiness (SCHUFA score), term, and loan amount.
| Loan Amount | Term | APR (Range) | Monthly Payment (approx.) | Total Repayment (approx.) |
|---|---|---|---|---|
| 10.000,00 € | 48 months | 4.45% – 12.45% | 246,25 € | 11.819,86 € |
About 1822direkt
1822direkt is a bank for loans in Germany. As a licensed bank, it offers an additional level of security and regulation compared to alternative lenders.
With available amounts between 2.500,00 € and 50.000,00 €, 1822direkt is suitable for larger financial needs.
Frequently Asked Questions about 1822direkt
How do I apply for a 1822direkt loan?
Click "Apply now", fill out the online form (~5 minutes), upload required documents, and receive a decision within 96 hours. 1822direkt offers a fully digital application process.
What documents are required for 1822direkt?
For a 1822direkt loan you need:
- Valid ID or passport
- Payslips (last 3 months)
- Bank statements (last 3 months)
- Proof of address (registration certificate)
What are the interest rates at 1822direkt?
1822direkt offers APR from 4.45% to 12.45%.
The exact rate depends on your creditworthiness (Schufa score), loan amount, and term.
Representative example: 8.45% APR
Is 1822direkt safe and regulated?
1822direktis a <strong>BaFin-regulated bank</strong> meeting the highest German consumer protection standards. All loans are subject to BaFin oversight and consumer credit law (§ 491 BGB).
Can I repay a 1822direkt loan early?
Yes, 1822direkt allows early repayment. Under German consumer credit law, lenders may charge a maximum of:
- 1% of outstanding amount (remaining term > 1 year)
- 0.5% of outstanding amount (remaining term ≤ 1 year)
What Schufa score do I need for a 1822direkt loan?
1822direkt prefers applicants with good to excellent credit scores.
Typical requirements:
- Schufa score > 90%: Best rates (4.45% APR)
- Schufa score > 80%: Standard rates (12.45% APR)
- Schufa score < 80%: Individual assessment required
Approval rate at 1822direkt: 78%
⚖️ Legal Information
1822direkt is a BaFin-regulated bank and meets German consumer protection standards.
Official website: https://www.1822direkt.com
All information is sourced from the official 1822direkt website and is for informational purposes only. Always read the contract terms before signing. Responsible lending is mandatory in Germany. Market oversight is conducted by BaFin.
Author: Rostislav Sikora – AI Orchestrator & Loan Expert (25+ years in financial services)
Last updated: 12 January 2026