Updated September 28, 2026 · BorrowCue Editorial Team
Banco General vs LEND.ch
Where Banco General and LEND.ch differ
| Compare |  Banco General |  LEND.ch |
|---|---|---|
| Loan amount | $2,000 to $65,000 | from CHF 10,000 |
| Lender type | Direct lender | Marketplace |
| Eligibility | Age 21 and over, employed in Panama, minimum salary to apply US$225-600 depending on sector, good APC credit references and 2 years job continuity | 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 |
| APR | Not confirmed | 4.3% to 9.96% |
| Term | Not confirmed | 12 to 84 months |
| 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) |
| Funding time | Fast approval and disbursement | 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% |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- Banco General scores higher overall: 9.4 vs 8.9.
- Founded is lower at Banco General: 1955 vs 2015.
- Support channels: only Banco General offers Phone.
- Support channels: only LEND.ch offers Email.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
Banco General
Banco General suits Panamanian borrowers with steady employment who want a personal or consolidation loan and quick disbursement from a bank founded in 1955. Free early repayment and phone, chat and help centre help, but hard and good credit references narrow who gets accepted.
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 | Banco General | LEND.ch |
|---|---|---|
| Cost | 9.2 | 9.3Higher |
| Offer | 9.3Direct lender for personal and debt consolidation loans of $2,000 to $65,000, plus Fast approval and disbursement. | 9.4Higher |
| Trust | 9.5Higher | 8.3 |
How they place
| Ranking | Banco General | LEND.ch |
|---|---|---|
| Personal loans | 254 of 1932 | 113 of 1932 |
| Debt consolidation loans | 58 of 425 | 46 of 425 |
| Mortgages | 39 of 719 | 16 of 719 |
| Home equity loans and HELOCs | 10 of 110 | 5 of 110 |
Feature by feature
| Loan types | Banco General | 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 each is licensed and available
| Country | Banco General | LEND.ch |
|---|---|---|
| Panama | Not confirmed | |
| Switzerland | Not confirmed |
Additional countries for Banco General: 1. Additional countries for LEND.ch: 1.
Every fact side by side
| Fact | Banco General | LEND.ch |
|---|---|---|
| Legal entity | Banco General, S.A. | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Panama | Switzerland |
| Founded | 1955Lower | 2015 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | Banco General | LEND.ch |
|---|---|---|
| Purpose | Purchase, First time buyer, Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Banco General | LEND.ch | Median |
|---|---|---|---|
| APR | Not confirmed | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | Not confirmed | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Banco General
Pros
- Loans of $2,000 to $65,000 cover both personal and debt consolidation needs
- Free early repayment lets you settle the balance early without extra charge
- Fast approval and disbursement keeps the money moving
Cons
- hard search means an application can affect your credit file
- Eligibility asks for a minimum salary, good credit references and job continuity
- $2,000 to $65,000 tops out below what some mortgage and equity borrowers need
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
Banco General
Who it suits
- Employed adults in Panama with a salary above the stated minimum
- Borrowers consolidating several debts into one repayment
- Anyone who plans to settle the loan sooner than the full term
Who should look elsewhere
- Monzo Flex, if you are not paid in Panama
- Cashspace, if you need a different market and currency
- Anyone building credit with a thin or inconsistent file
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 | Banco General | LEND.ch |
|---|---|---|
| Panama | Yes | No |
| Switzerland | No | Yes |
Questions about each
Banco General
How much can I borrow from Banco General?+
Personal loans run to $2,000 to $65,000, and the same line covers personal borrowing and debt consolidation. Larger borrowing needs are served by the mortgage products rather than the personal loan. Comparing PHP 500 to PHP 25,000 and £10,000 to £35,000 helps set the size against other lenders.
Does Banco General check my credit?+
Yes. The lender records a hard credit search, and the stated rule is good credit history. Applicants also need a minimum salary depending on sector and a period of job continuity, so a thin file can be turned down at the first step.
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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