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1822direkt
Cash loans

Online-Ratenkredit

New

1822direkt • EUR

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2,3 / 10

Score based on rate competitiveness and popularity among users.

In brief
interest rate 5,29%
Loan amount 7 500 – 100 000 EUR
Period 24–120 mo.

Our review

Ingrid Schneider · Updated: 27 August 2026

Introduction

1822direkt's online instalment loan, offered by a direct bank belonging to the Frankfurter Sparkasse group, is aimed at private customers planning larger financing projects such as buying a vehicle, renovation, or debt consolidation. The loan is designed for higher loan amounts and is therefore particularly suitable for customers with corresponding financing needs.

Interest and Costs

The effective annual percentage rate starts at 5.29% for customers with very good creditworthiness; the actual rate is determined individually based on the credit check and may be correspondingly higher. The loan amount ranges from €7,500 to €100,000.

Terms and Requirements

The term can be flexibly chosen between 24 and 120 months. No processing fees are charged either for concluding the loan contract or for account management. Special repayments and early repayment are possible free of charge up to 70% of the loan amount; amounts beyond that may be subject to an early repayment penalty of 0.5% to 1.0%. Requirements include a minimum age of 18, residence and employer in Germany, and a permanent employment relationship of at least six months. There must be no negative SCHUFA entries; self-employed individuals, freelancers, and students are excluded from the offer.

Verdict

The 1822direkt online instalment loan is best suited to employees with stable income who need a higher loan amount and want to benefit from free special repayments. However, the attractive starting rate of 5.29% applies only to top creditworthiness; anyone who doesn't meet the strict eligibility requirements – such as the exclusion of self-employed individuals and students – will need to look at alternatives.

✓ Pros

  • ✓ High loan amounts up to €100,000
  • ✓ No processing or account management fees
  • ✓ Free special repayment up to 70% of the loan amount
  • ✓ Long terms of up to 120 months

✕ Cons

  • ✕ Only available to employees with a permanent employment contract
  • ✕ Self-employed individuals, freelancers, and students excluded
  • ✕ Effective rate from 5.29% only for top creditworthiness
  • ✕ Early repayment penalty for larger special repayments

Loan repayment calculator

7 500 EUR 100 000 EUR
24 mo. 120 mo.
Monthly payment
Total cost
Total interest
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Indicative calculation based on nominal rate of 5.29%. Actual costs depend on individual creditworthiness assessment.

Representative example

For a loan of 20 000 EUR over 48 months, at a nominal rate of 5,29% (APRC — check the bank's current offer), the monthly instalment is approximately 463 EUR, and the estimated total amount payable is approximately 22 234 EUR (including interest: approx. 2 234 EUR). This estimate excludes any arrangement fee, insurance, or other charges — check the bank's offer for the full terms and total cost of credit before signing. As of 04.09.2026.