Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs LEND.ch
Where AU Small Finance Bank and LEND.ch differ
| Compare |  AU Small Finance Bank |  LEND.ch |
|---|---|---|
| APR | up to 30% | 4.3% to 9.96% |
| Loan amount | ₹25,000 to ₹1,500,000 | from CHF 10,000 |
| Term | 12 to 60 months | 12 to 84 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 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) |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | 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 | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Credit check | Not confirmed | Hard |
| Funding time | Within 24 hours | Not confirmed |
| 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 |
| Origination fee (%) | up to 4% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Founded is lower at AU Small Finance Bank: 1996 vs 2015.
- Free early repayment: only LEND.ch.
- Term is higher at LEND.ch: 12 to 84 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Phone.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank is a direct lender in India, so a personal loan comes straight from the bank with a fixed rate and no broker in between. It suits borrowers with a good credit record who want personal or debt consolidation money of INR 25,000 to INR 1,500,000 and a payout Within 24 hours.
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 | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Cost | 8.2 | 9.3Higher |
| Offer | 9.2Direct lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 9.4Higher |
| Trust | 9.3Higher | 8.3 |
What each covers
| Loan types | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
Where these facts come from
AU Small Finance Bank
- au.bank.in: 18 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Personal loans | 110 of 1943 | 116 of 1943 |
| Debt consolidation loans | 45 of 425 | 49 of 425 |
| Mortgages | 15 of 719 | 18 of 719 |
| Home equity loans and HELOCs | 5 of 110 | 6 of 110 |
Every fact side by side
| Fact | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | AU Small Finance Bank Limited | Switzerlend AG (CHE-456.445.646) |
| Headquarters | India | Switzerland |
| Founded | 1996Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Help centre |
Mortgages
| Fact | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | AU Small Finance Bank | LEND.ch | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | up to 4%highest quarter | Not confirmed | 0.25 |
Median across 1005 listed lenders.
Pros and cons
AU Small Finance Bank
Pros
- Personal and debt consolidation borrowing are both offered, listed under personal and debt consolidation.
- A payout of Within 24 hours suits anyone covering a bill or a deadline rather than waiting.
- Support runs on phone, email and chat once the loan is set up.
Cons
- Free early repayment is not offered, so clearing the balance early can cost money.
- An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 makes a small loan heavier to carry than a large one.
- Applicants need a good credit record, which rules out weaker credit files.
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
AU Small Finance Bank
Who it suits
- Borrowers with a good credit record in India who want a personal loan or debt consolidation.
- People who want money in hand quickly, with Within 24 hours funding on a fixed rate.
- Shoppers weighing this personal loan against the bank's home lending, which covers purchase, remortgage and home equity.
Who should look elsewhere
- Borrowers chasing the lowest rate on the page, since Cashspace ES lists an APR of 0%.
- Anyone who wants a lower rate ceiling to aim for, as Monzo Flex runs 10% to 23%.
- Borrowers who want to compare a wider rate band, as Cashspace runs PHP 12 to PHP 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%.
Country by country
| Country | AU Small Finance Bank | LEND.ch |
|---|---|---|
| India | Yes | No |
| Switzerland | No | Yes |
Questions about each
AU Small Finance Bank
What rate will I pay on a AU Small Finance Bank personal loan?+
The listed APR is up to 30%, which is a ceiling rather than a rate everyone is offered. Borrowing sits on a fixed rate, so the cost does not shift mid term. The site median for personal loans is 12%, so read your own quote rather than assuming where you land.
What fees are added to the loan?+
An origination charge of Up to 4% of approved loan amount, minimum INR 2,000 applies to the approved amount. Ask what the fee works out to in cash on your borrowing, not only as a percentage, because the minimum charge takes a larger share of a small loan than of a large one.
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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