Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs LEND.ch
Andacredito vs LEND.ch: the differences
| Compare |  Andacredito |  LEND.ch |
|---|---|---|
| APR | 0% to 36%Lower | 4.3% to 9.96% |
| Loan amount | €100 to €5,000 | from CHF 10,000 |
| Term | 2 to 3 months | 12 to 84 monthsHigher |
| Arrangement fee | 0 EUR | 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) |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 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 | Broker | Marketplace |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidation | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Credit check | Not confirmed | Hard |
| Funding time | 10 minutes | Not confirmed |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.7.
- APR is lower at Andacredito: 0% to 36% vs 4.3% to 9.96%.
- Term is higher at LEND.ch: 12 to 84 months vs 2 to 3 months.
- Support channels: only LEND.ch offers Chat, Help centre.
- Loan types: only Andacredito offers Payday.
- Loan types: only LEND.ch offers Secured, Bridging.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | LEND.ch |
|---|---|---|
| Cost | 9.5Higher | 9.3 |
| Offer | 8.3 | 9.4Higher |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Andacredito | LEND.ch |
|---|---|---|
| Personal loans | 13 of 1932 | 113 of 1932 |
| Debt consolidation loans | 5 of 425 | 46 of 425 |
| Car loans | 3 of 431 | 29 of 431 |
| Business loans | 2 of 435 | 18 of 435 |
| Private student loans | 2 of 167 | 10 of 167 |
What each covers
| Loan types | Andacredito | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
| Bridging | No | Yes |
Where each is licensed and available
| Country | Andacredito | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for Andacredito: 1. Additional countries for LEND.ch: 1.
Every fact side by side
| Fact | Andacredito | LEND.ch |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OU | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Estonia | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Help centreCovers more |
Mortgages
| Fact | Andacredito | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Andacredito | LEND.ch | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 2 to 3 monthslowest quarter | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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%.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Country by country
| Country | Andacredito | LEND.ch |
|---|---|---|
| Spain | Yes | No |
| Switzerland | No | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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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