Updated September 30, 2026 · BorrowCue Editorial Team
Alt Lending vs LEND.ch
Where Alt Lending and LEND.ch differ
| Compare |  Alt Lending |  LEND.ch |
|---|---|---|
| APR | 3%Lower | 4.3% to 9.96% |
| Arrangement fee | 0 | 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) |
| Credit check | Soft prequal | Hard |
| Lender type | Direct lender | Marketplace |
| Loan types | Student | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Loan amount | Not confirmed | from CHF 10,000 |
| Term | Not confirmed | 12 to 84 months |
| Representative example | Not confirmed | 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% |
| Rate type | Fixed | Not confirmed |
| Eligibility | Not confirmed | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- Alt Lending scores higher overall: 9.4 vs 8.9.
- APR is lower at Alt Lending: 3% vs 4.3% to 9.96%.
- Support channels: only Alt Lending offers Phone.
- Support channels: only LEND.ch offers Chat.
- Loan types: only LEND.ch offers Personal, Debt consolidation, Car.
Our verdict on each
Alt Lending
Alt Lending suits students with low credit who want a fixed rate student loan from a direct lender in the United States. The rate is listed as APR of 3% with origination fees of 0 and early repayment is yes, while prequalification uses a soft check that leaves scores untouched for initial review.
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 | Alt Lending | LEND.ch |
|---|---|---|
| Cost | 9.5HigherCost reflects APR of 3% with origination fees of 0 | 9.3 |
| Offer | 9.3Offer reflects student focus shown by student with fixed rate | 9.4Higher |
| Trust | 9.3HigherTrust reflects direct lender status shown by direct lender | 8.3 |
What each covers
| Loan types | Alt Lending | LEND.ch |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | Yes | Yes |
| Bridging | No | Yes |
Where each is licensed and available
| Country | Alt Lending | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed | |
| United States | NMLS 2571325 | Not confirmed |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Alt Lending
469.24
469.24
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
Alt Lending comes out 207.5 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
Which one suits you
Pick Alt Lending if apr matter most.
Pick LEND.ch if loan types matter most.
Sources behind this comparison
Alt Lending
- altlendingllc.com: 12 facts, checked September 30, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | Alt Lending | LEND.ch |
|---|---|---|
| Private student loans | 8 of 167 | 10 of 167 |
Every fact side by side
| Fact | Alt Lending | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Alt Lending, LLC | Switzerlend AG (CHE-456.445.646) |
| Headquarters | United States | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | Alt Lending | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Alt Lending | LEND.ch | Median |
|---|---|---|---|
| APR | 3%lowest quarter | 4.3% to 9.96%lowest quarter | 8.99% |
| Loan amount | Not confirmed | from CHF 10,000lowest quarter | CHF 250,000 |
| Term | Not confirmed | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Alt Lending
Pros
- APR of 3% keeps yearly cost visible against peers such as Ibancar Prestamos with APR of 12.74% to 13.01%
- Origination fees of 0 keep setup costs down compared with lenders that deduct arrangement charges
- Prequalification uses soft prequal which allows rate review without harm to credit at the early stage
Cons
- Support runs on phone, email and help centre only, which limits contact for borrowers who prefer chat with live agents
- Choice is tied to student only, which limits use for borrowers who need personal or car cover available elsewhere
- Rate structure is tied to fixed only, which limits flexibility for borrowers who prefer a variable option
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
Alt Lending
Who it suits
- Students seeking student cover with fixed pricing who accept APR of 3% and origination fees of 0
- Borrowers with low credit profiles shown by poor who value soft prequal review and direct handling shown by direct lender
- Families comparing student specialists against Ibancar Prestamos who prefer a defined student lender over general credit providers
Who should look elsewhere
- Borrowers who need general personal cover should consider Ibancar Prestamos because Alt Lending offers student only
- Borrowers who want card style revolving credit should consider AXI Card Tarjeta y Credito because Alt Lending offers fixed rate loans only
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 | Alt Lending | LEND.ch |
|---|---|---|
| Switzerland | No | Yes |
Questions about each
Alt Lending
What APR does Alt Lending charge on private student loans+
Alt Lending lists APR of 3% for its private student loans. The figure shows the yearly cost of borrowing before fees and it allows direct comparison with other lenders on BorrowCue. Borrowers should read the loan terms alongside the APR to grasp total repayment.
Does Alt Lending charge an origination fee+
Alt Lending lists origination fees of 0. That means borrowers face no upfront deduction for arranging the loan and the advance reflects the approved amount. This keeps initial costs clear when comparing student offers across states.
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.
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