Updated September 28, 2026 · BorrowCue Editorial Team
Arab Islamic Bank vs LEND.ch
Where Arab Islamic Bank and LEND.ch differ
| Compare |  Arab Islamic Bank |  LEND.ch |
|---|---|---|
| APR | 4.5% to 9% | 4.3% to 9.96%Lower |
| Loan amount | $80,000 | from CHF 10,000 |
| Term | 84 months | 12 to 84 months |
| Lender type | Direct lender | Marketplace |
| Eligibility | Personal ID, 6-month bank statement, proof of occupation (salary slip or municipal council certificate), salary transfer commitment or suitable guarantee; salary deduction must not exceed 50% | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Car, Student, Business, Secured | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| 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) |
| Credit check | Not confirmed | Hard |
| 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 |
| Free early repayment | Not confirmed | Yes |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Arab Islamic Bank scores higher overall: 9.4 vs 8.9.
- Founded is lower at Arab Islamic Bank: 1995 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 4.5% to 9%.
- Support channels: only Arab Islamic Bank offers Phone.
- Support channels: only LEND.ch offers Email, Help centre.
- Loan types: only LEND.ch offers Debt consolidation, Bridging.
Our verdict on each
Arab Islamic Bank
Arab Islamic Bank lends directly, and its fixed rate of 4.5% to 9% sits well below the 12.25% typical of the personal loans compared here. It suits salaried applicants in PS who can show documented income and commit a salary transfer, though the $80,000 ceiling will not stretch to very large borrowing.
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 | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Cost | 9.5Higher | 9.3 |
| Offer | 9.4Fixed-rate lending at 4.5% to 9% for up to $80,000 over 84, underwritten directly by the bank. | 9.4 |
| Trust | 9.3Higher | 8.3 |
What each covers
| Loan types | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
| Bridging | No | Yes |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 4.5% to 9% for Arab Islamic Bank and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewHow they place
| Ranking | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Personal loans | 253 of 1932 | 113 of 1932 |
| Secured loans | 37 of 472 | 18 of 472 |
| Car loans | 46 of 431 | 29 of 431 |
| Business loans | 40 of 435 | 18 of 435 |
| Private student loans | 14 of 167 | 10 of 167 |
Every fact side by side
| Fact | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Legal entity | Arab Islamic Bank | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Palestine | Switzerland |
| Founded | 1995Lower | 2015 |
| Support channels | Phone, Chat | Email, Chat, Help centre |
Mortgages
| Fact | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Arab Islamic Bank | LEND.ch | Median |
|---|---|---|---|
| APR | 4.5% to 9%below the median | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 84 monthsabove the median | 12 to 84 monthsabove the median | 60 months |
Median across 1005 listed lenders.
Pros and cons
Arab Islamic Bank
Pros
- Fixed-rate lending at 4.5% to 9%, well under the 12.25% seen across the personal loans compared here.
- A term of 84 runs past the 60 term at the upper end of that comparison, so each instalment stays smaller.
- Direct lending across personal, car and student purposes, with the bank underwriting the application rather than a broker.
Cons
- Support runs on phone and chat only, so there is no other listed route to the bank.
- Only a fixed rate is offered, with no variable option to move to if the fixed period ends.
- Eligibility is strict: proof of occupation, a salary transfer commitment or a suitable guarantee, and a cap on the salary deduction.
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
Arab Islamic Bank
Who it suits
- Salaried applicants in PS who can commit a salary transfer and show proof of occupation.
- Borrowers who price on rate alone, since 4.5% to 9% sits below the 10% to 23% at Monzo Flex.
- Borrowers who want fixed-rate lending across personal, car and student purposes from the same bank, rather than the PHP 12 to PHP 36 shown at Cashspace.
Who should look elsewhere
- Anyone after interest free borrowing, because the rate here is fixed at 4.5% to 9% rather than the 0% shown at Cashspace ES.
- Applicants who cannot show proof of occupation or commit a salary transfer, since eligibility needs either that or a suitable guarantee, and the cap on the salary deduction narrows who clears the bar.
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
Arab Islamic Bank
Current offer
Bonus
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Source, checked September 26, 2026
Country by country
| Country | Arab Islamic Bank | LEND.ch |
|---|---|---|
| Palestine | Yes | No |
| Switzerland | No | Yes |
Questions about each
Arab Islamic Bank
What rate do I pay on a loan from Arab Islamic Bank?+
Arab Islamic Bank lends at 4.5% to 9%, and that rate is fixed, so the figure holds for the life of the loan. Personal loans compared here run around 12.25% at the median, which puts this lender on the cheaper side. Ask for the rate that applies to your own application, since the offer depends on your profile.
How much can I borrow?+
Borrowing runs to $80,000 on the personal loan, well above the €556.48 typical of the personal loans compared here, and it ranks 42 on amount. The bank also covers personal, car and student lending, so other purposes sit in the same place. Repayment can stretch to 84.
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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