Updated September 28, 2026 · BorrowCue Editorial Team
AU Small Finance Bank vs Lendela
Where AU Small Finance Bank and Lendela differ
| Compare |  AU Small Finance Bank |  Lendela |
|---|---|---|
| APR | up to 30% | up to 48% |
| Loan amount | ₹25,000 to ₹1,500,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 60 months | 3 to 72 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | SGD 0 |
| Funding time | Within 24 hours | Around 1-2 days from application to disbursement; some within hours |
| Lender type | Direct lender | Marketplace |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Credit needed | Good | Fair |
| Credit check | Not confirmed | None |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | up to 4% | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- AU Small Finance Bank scores higher overall: 8.9 vs 8.5.
- Founded is lower at AU Small Finance Bank: 1996 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Chat.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Business, Secured, Student.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | AU Small Finance Bank | Lendela |
|---|---|---|
| Cost | 8.2 | Not confirmed |
| Offer | 9.2HigherDirect lender pricing: APR of up to 30% plus a fee of Up to 4% of approved loan amount, minimum INR 2,000. | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.3Higher | 8.2 |
From lowest to highest
| Fact | AU Small Finance Bank | Lendela |
|---|---|---|
| APR | up to 30% | up to 48% |
| Term | 12 to 60 months | 3 to 72 months |
Where they rank in our lists
| Ranking | AU Small Finance Bank | Lendela |
|---|---|---|
| Personal loans | 111 of 1943 | 74 of 1943 |
| Debt consolidation loans | 46 of 425 | 26 of 425 |
| Mortgages | 15 of 719 | 6 of 719 |
| Remortgage deals | 14 of 351 | 6 of 351 |
Every fact side by side
| Fact | AU Small Finance Bank | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | AU Small Finance Bank Limited | Lendela Pte. Ltd. |
| Headquarters | India | Singapore |
| Founded | 1996Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | AU Small Finance Bank | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage, Home equityCovers more | Purchase, Remortgage |
Where each stands against the rest
| Fact | AU Small Finance Bank | Lendela | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | up to 48%highest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 3 to 72 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | AU Small Finance Bank | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| India | Yes | No |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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