Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Lendela
5in5 vs Lendela: the differences
| Compare |  5in5 |  Lendela |
|---|---|---|
| Loan amount | €5,000 | SGD 1,000 to SGD 200,000 |
| Term | 0.5 to 24 months | 3 to 72 monthsHigher |
| Arrangement fee | One-off fee deducted from payout | SGD 0 |
| Funding time | Same day up to 1 business day | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Direct lender | Marketplace |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Business, Bridging | Personal, Debt consolidation, Business, Secured, Student |
| APR | Not confirmed | up to 48% |
| Credit check | Not confirmed | None |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- 5in5 scores higher overall: 9.4 vs 8.5.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 0.5 to 24 months.
- Features: only Lendela offers Credit line.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Lendela offers Personal, Debt consolidation, Secured.
Our verdict on each
5in5
5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | 5in5 | Lendela |
|---|---|---|
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.2 |
From lowest to highest
| Fact | 5in5 | Lendela |
|---|---|---|
| Term | 0.5 to 24 months | 3 to 72 months |
Availability and regulation
Additional countries for 5in5: 1. Additional countries for Lendela: 2.
Also worth a look
Sofkredit has term at 6 to 240 months, against 0.5 to 24 months for 5in5 and 3 to 72 months for Lendela.
Sofkredit reviewSources behind this comparison
5in5
- 5in5.nl: 8 facts, checked September 29, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | 5in5 | Lendela |
|---|---|---|
| Business loans | 3 of 435 | 10 of 435 |
Every fact side by side
| Fact | 5in5 | Lendela |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Not confirmed | Lendela Pte. Ltd. |
| Headquarters | Not confirmed | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Not confirmed | Email, Phone, Help centre |
Mortgages
| Fact | 5in5 | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | 5in5 | Lendela | Median |
|---|---|---|---|
| APR | Not confirmed | up to 48%highest quarter | 8.99 |
| Term | 0.5 to 24 monthslowest quarter | 3 to 72 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
5in5
Pros
- Payout in Same day up to 1 business day helps when timing matters for stock or invoices
- Fixed ticket of €5,000 keeps budgeting clear for short dated needs
- Terms that run 0.5 to 24 suit brief gaps rather than extended debt
Cons
- Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
- Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
- Support through email, phone and help centre lacks chat, which some borrowers may prefer
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Who each suits
5in5
Who it suits
- Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
- Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
- Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000
Who should look elsewhere
- Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
- Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | 5in5 | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Netherlands | Yes | No |
| Singapore | No | Yes |
Questions about each
5in5
Who can apply for a loan from this lender+
You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.
How large is the loan and how long does it last+
The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Other options to compare
Other matchups
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- 5in5 vs Qonto ES
- Lendela vs Fiesta Credito MX
- Lendela vs Solcredito
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