Updated September 28, 2026 · BorrowCue Editorial Team
AffinityPlus Credit Union vs LEND.ch
AffinityPlus Credit Union vs LEND.ch: the differences
| Compare |  AffinityPlus Credit Union |  LEND.ch |
|---|---|---|
| APR | 7.24% to 18% | 4.3% to 9.96%Lower |
| Loan amount | $1,000 to $40,000 | from CHF 10,000 |
| Term | 36 to 60 months | 12 to 84 monthsHigher |
| Representative example | Personal Unsecured: $30.99 per $1,000 borrowed over 36 months at 7.24% APR | Personal loan CHF 20'000 over 36 months, score A+: annual fee CHF 130, total fee CHF 390, payout CHF 19'610; effective interest rate 4.30% to 9.96% |
| Lender type | Direct lender | Marketplace |
| Eligibility | US citizens and permanent residents over 18 who meet the common bond of living, working or attending school in the service area | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Debt consolidation, Credit line, Secured | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Arrangement fee | Not confirmed | One-off origination fee, score-dependent, charged for the whole loan term and deducted from the payout (e.g. CHF 130 per year for 36 months, CHF 390 total on CHF 20,000) |
| Rate type | Fixed | Not confirmed |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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
- AffinityPlus Credit Union scores higher overall: 9.4 vs 8.9.
- Founded is lower at AffinityPlus Credit Union: 1930 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 7.24% to 18%.
- Term is higher at LEND.ch: 12 to 84 months vs 36 to 60 months.
- Support channels: only AffinityPlus Credit Union offers Phone.
- Support channels: only LEND.ch offers Email.
- Loan types: only AffinityPlus Credit Union offers Credit line.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
AffinityPlus Credit Union
AffinityPlus Credit Union lends directly to members in its service area at an APR of 7.24% to 18% on loans of $1,000 to $40,000, with early repayment free.
LEND.ch
LEND.ch suits Swiss residents in permanent employment who want a marketplace loan at rates of 4.3% to 9.96%, well under the 12% site median. The trade-off is the fee, which is score dependent, spread across the whole term and taken from the payout, so what lands in your account is less than what you borrow.
Score breakdown
| Area | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Cost | 9.2 | 9.3Higher |
| Offer | 9.3Direct lender at 7.24% to 18% APR across $1,000 to $40,000, plus mortgages at 7.375% initial rate with 97% loan to value. | 9.4Higher |
| Trust | 9.6Higher | 8.3 |
Licences and countries
| Country | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed | |
| United States | Not confirmed |
Additional countries for AffinityPlus Credit Union: 1. Additional countries for LEND.ch: 1.
A third option
Prestamiau ES has apr at 0% to 36%, against 7.24% to 18% for AffinityPlus Credit Union and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewHow they place
| Ranking | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Personal loans | 248 of 1932 | 113 of 1932 |
| Debt consolidation loans | 56 of 425 | 46 of 425 |
| Secured loans | 34 of 472 | 18 of 472 |
| Mortgages | 36 of 719 | 16 of 719 |
| Home equity loans and HELOCs | 8 of 110 | 5 of 110 |
| Home improvement loans | 70 of 562 | 54 of 562 |
Every fact side by side
| Fact | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Affinity Plus Federal Credit Union | Switzerlend AG (CHE-456.445.646) |
| Headquarters | United States | Switzerland |
| Founded | 1930Lower | 2015 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Initial rate | 7.375% | Not confirmed |
| APRC | 7.516% | Not confirmed |
| Fixed period | 30 years | Not confirmed |
| Maximum loan to value | 97% | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | AffinityPlus Credit Union | LEND.ch | Median |
|---|---|---|---|
| APR | 7.24% to 18%below the median | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 36 to 60 monthsat the median | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
AffinityPlus Credit Union
Pros
- Fixed rate pricing on a fixed rate model, with 7.24% to 18% APR across the personal loan range.
- Early repayment is free on personal loans, so a cleared balance costs less.
- Lends direct, covering personal, debt consolidation, credit line and secured borrowing.
Cons
- A hard credit check with fair credit needed puts a real file search on every application.
- Support runs on phone, chat and help centre only, so no written email route is listed.
- Terms run 36 to 60, which leaves less room than longer borrowing to spread a large balance.
LEND.ch
Pros
- Rates of 4.3% to 9.96% sit below the 12% median across loans on the site and below the 10% to 23% range at Monzo Flex.
- Early repayment is free, matching 81.2% of the loans across the site, so a fee spread over the term can be cut short without a charge.
- A single application can cover personal, debt consolidation and car under the same marketplace structure, rather than a separate search for each purpose.
Cons
- The arrangement fee is score dependent and charged across the whole term, so a weaker profile pays more for the same 4.3% to 9.96%.
- The fee is deducted from the payout, as the representative example shows, so the amount landing in the account is lower than the amount borrowed and 4.3% to 9.96% understates the cost.
- The credit check is hard, so a search is on the file before any offer, and hard searches account for 72.7% of the loans on the site.
Who each suits
AffinityPlus Credit Union
Who it suits
- Borrowers after a fixed rate personal loan or a credit line who plan to clear the balance early.
- Homebuyers who can reach 97% loan to value on a 30 fixed period.
Who should look elsewhere
- Readers outside the service area or without the common bond, since eligibility is tied to it.
- Monzo Flex applicants comparing a different market: its APR runs 10% to 23% against 7.24% to 18% here.
- Cashspace and Cashspace ES readers weighing other lenders, at PHP 12 to PHP 36 and 0%.
LEND.ch
Who it suits
- Swiss residents in permanent employment who hold a Swiss bank account and a regular income, which is the stated eligibility.
- Borrowers after a personal or consolidation loan at 4.3% to 9.96% who can carry a hard credit search.
- People funding home improvement or a car purchase who want a single marketplace to quote them.
Who should look elsewhere
- Borrowers who want an interest-free loan should try Cashspace ES, which lists 0%, rather than the 4.3% to 9.96% band here.
- UK borrowers who prefer a 10% to 23% band to 4.3% to 9.96% should look at Monzo Flex, since LEND.ch lends only to residents in Switzerland with a Swiss bank account.
- Borrowers priced out by the PHP 12 to PHP 36 band at Cashspace have room here, where rates run 4.3% to 9.96%.
Country by country
| Country | AffinityPlus Credit Union | LEND.ch |
|---|---|---|
| Switzerland | No | Yes |
| United States | Yes | No |
Questions about each
AffinityPlus Credit Union
What will I actually pay back on a personal loan?+
The published representative example covers the unsecured personal loan, showing a fixed rate drawn from 7.24% to 18% APR and a repayment term of 36 to 60. Early repayment is free, so clearing the balance ahead of schedule cuts the total cost.
Is the rate fixed or variable?+
Personal loans are fixed rate: fixed pricing on a fixed rate model, with 7.24% to 18% APR across the range. Because the rate is fixed, a shift in market rates does not alter the repayment once the loan is agreed. Readers can set that range beside the 12% rate typical of offers here.
LEND.ch
What rate am I likely to be offered?+
Rates run 4.3% to 9.96%, which sits below the 12% median across loans on the site and well under the 10% to 23% range at Monzo Flex. The band is a range rather than a single price because the offer depends on your profile, so a weaker file sits nearer the top of it. The score band you land in also sets the fee.
How much is the arrangement fee and when is it taken?+
It is a single origination charge, it depends on your credit score, it is spread across the whole loan term and it is taken out of the payout rather than invoiced separately. The representative example shows the shape: an annual fee on the top score band and a total fee on a personal loan, with the payout reduced by both. Check the payout figure against the amount you asked to borrow.
Other options to compare
Other matchups
- AffinityPlus Credit Union vs Banco General
- AffinityPlus Credit Union vs BBK
- AffinityPlus Credit Union vs ING Germany
- AffinityPlus Credit Union vs AIB
- AffinityPlus Credit Union vs National Bank of Malawi Mo626 Digital+
- AffinityPlus Credit Union vs VCB Bank
- LEND.ch vs Bank of Ireland
- LEND.ch vs Commercial Bank CBclick
- LEND.ch vs Izwe Zambia
- LEND.ch vs Discovery Bank
- LEND.ch vs Moneyland.ch
- LEND.ch vs HomeSec Business Finance
- LEND.ch vs National Building Society
- LEND.ch vs Nykredit
- LEND.ch vs Standard Lesotho Bank
- LEND.ch vs Oney Préstamos ES
- AffinityPlus Credit Union vs Sofkredit
- LEND.ch vs Andacredito
- LEND.ch vs Lendela
- LEND.ch vs Creditio
- AffinityPlus Credit Union vs Commerzbank
- LEND.ch vs Alt Lending
- AffinityPlus Credit Union vs MoneyHero
- LEND.ch vs LendKey
- LEND.ch vs Cool Credit
- LEND.ch vs Moneyveo VN
- LEND.ch vs BadCreditLoans.com