Updated September 28, 2026 · BorrowCue Editorial Team
BadCreditLoans.com vs LEND.ch
What sets them apart
| Compare | BadCreditLoans.com ReviewVisitVisit |  LEND.ch |
|---|---|---|
| APR | 19.9% | 4.3% to 9.96%Lower |
| Loan amount | $500 to $10,000 | from CHF 10,000 |
| Term | 3 to 72 months | 12 to 84 monthsHigher |
| Arrangement fee | $0 USD | 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 | Sample cash loan: $2,000 for 12 months at 19.9% representative APR, $183.63 monthly repayment, $2,203.56 total repayment | 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% |
| Eligibility | U.S. residents; not available in all states; some network lenders offer loans to borrowers with all types of credit | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Business, Student, Car | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Funding time | As fast as the next business day | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Marketplace).
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.4.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 19.9%.
- Term is higher at LEND.ch: 12 to 84 months vs 3 to 72 months.
- Support channels: only BadCreditLoans.com offers Phone.
- Support channels: only LEND.ch offers Chat, Help centre.
- Loan types: only LEND.ch offers Debt consolidation, Secured, Bridging.
Our verdict on each
BadCreditLoans.com
BadCreditLoans.com is a US matching service aimed at borrowers with poor credit who need a small loan quickly, at 19.9% and an origination fee of $0 USD. It suits applicants a prime lender would turn down, and suits them less well where a cheaper rate matters more than the speed of funding.
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 | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Cost | 8.5Cost is the weak point: 19.9% on a personal loan, and terms reach 3 to 72. | 9.3Higher |
| Offer | 8.6 | 9.4Higher |
| Trust | 8.1 | 8.3Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
BadCreditLoans.com
3,360.55
3,360.55
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
LEND.ch comes out 2,683.81 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Licences and countries
| Country | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for BadCreditLoans.com: 1. Additional countries for LEND.ch: 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 19.9% for BadCreditLoans.com and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewHow they place
| Ranking | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Personal loans | 135 of 1932 | 113 of 1932 |
| Car loans | 36 of 431 | 29 of 431 |
| Business loans | 25 of 435 | 18 of 435 |
| Private student loans | 13 of 167 | 10 of 167 |
Every fact side by side
| Fact | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Features | Credit line | Not confirmed |
| Legal entity | Great LLC | Switzerlend AG (CHE-456.445.646) |
| Headquarters | United States | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone | Email, Chat, Help centre |
Mortgages
| Fact | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | BadCreditLoans.com | LEND.ch | Median |
|---|---|---|---|
| APR | 19.9%highest quarter | 4.3% to 9.96%lowest quarter | 8.99% |
| Term | 3 to 72 monthsabove the median | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
BadCreditLoans.com
Pros
- An origination fee of $0 USD, so nothing is taken for setting the loan up.
- Speed: As fast as the next business day.
- Built for the poor credit band (poor), with some lenders in the network lending to any type of credit.
Cons
- A hard credit check sits behind every application (hard), so a rejection can be recorded on the file.
- Support runs on email and phone only, with no live chat or help centre listed.
- The rate of 19.9% is steep next to Monzo Flex, where rates run 10% to 23%.
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
BadCreditLoans.com
Who it suits
- US residents with poor credit who need a small amount quickly and can live with 19.9%.
- Borrowers after a car, student or business loan as well as a personal one, since personal, business and student are all in the mix.
- Anyone who wants a fee-free arrangement, with an origination fee of $0 USD.
Who should look elsewhere
- Monzo Flex, for borrowers whose credit file carries them into a cheaper band, since rates there run 10% to 23%.
- Cashspace ES, for anyone who would rather pay 0% than 19.9%.
- Cashspace, for readers outside the US, since this service is limited to US residents.
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 | BadCreditLoans.com | LEND.ch |
|---|---|---|
| Switzerland | No | Yes |
| United States | Yes | No |
Questions about each
BadCreditLoans.com
What rate do borrowers pay?+
The headline rate is 19.9%, and this is a matching service rather than one lender, so the rate offered depends on which network lender approves. Terms run 3 to 72 and loan sizes run $500 to $10,000.
Is there an origination fee to pay?+
There is no origination fee: $0 USD is charged for setting the loan up or for passing an application to a network lender. A hard credit check (hard) is the cost of looking instead, and a declined application can still be recorded by the lender that ran it.
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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