Updated September 28, 2026 · BorrowCue Editorial Team
Cathay United Bank vs Lendela
Cathay United Bank vs Lendela: the differences
| Compare |  Cathay United Bank |  Lendela |
|---|---|---|
| APR | 1.88% | up to 48% |
| Loan amount | NT$5,000,000 | SGD 1,000 to SGD 200,000 |
| Term | 84 monthsHigher | 3 to 72 months |
| Arrangement fee | Account management fee NT$9,000 for new personal loan cases | SGD 0 |
| Credit check | Hard | None |
| Lender type | Direct lender | Marketplace |
| Loan types | Personal, Secured, Credit line | Personal, Debt consolidation, Business, Secured, Student |
| Funding time | Not confirmed | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Not confirmed | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Not confirmed | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Cathay United Bank scores higher overall: 9.6 vs 8.5.
- Founded is lower at Cathay United Bank: 1975 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Cathay United Bank: 84 months vs 3 to 72 months.
- Support channels: only Cathay United Bank offers Chat.
- Features: only Lendela offers Same day funding.
- Loan types: only Cathay United Bank offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business, Student.
Our verdict on each
Cathay United Bank
Cathay United Bank suits borrowers in Taiwan who want a large personal or secured loan from the lender itself, and it prices well against the field at an APR of 1.88%. The catch is the account management fee that comes with a new personal loan case.
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 | Cathay United Bank | Lendela |
|---|---|---|
| Cost | 9.7Direct lending at an APR of 1.88%, up to TWD 5,000,000, plus an account management fee on new personal loan cases. | Not confirmed |
| Offer | 9.8Higher | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.4Higher | 8.2 |
Where they rank in our lists
| Ranking | Cathay United Bank | Lendela |
|---|---|---|
| Personal loans | 236 of 1932 | 74 of 1932 |
| Lines of credit | 37 of 328 | 10 of 328 |
| Secured loans | 26 of 472 | 12 of 472 |
| Mortgages | 28 of 719 | 6 of 719 |
| Remortgage deals | 15 of 351 | 6 of 351 |
What each covers
| Loan types | Cathay United Bank | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
Licences and countries
Additional countries for Cathay United Bank: 1. Additional countries for Lendela: 2.
Also worth a look
Sofkredit has term at 6 to 240 months, against 84 months for Cathay United Bank and 3 to 72 months for Lendela.
Sofkredit reviewSources behind this comparison
Cathay United Bank
- cathaybk.com.tw: 12 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Cathay United Bank | Lendela |
|---|---|---|
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Cathay United Bank Co., Ltd. | Lendela Pte. Ltd. |
| Headquarters | Taiwan | Singapore |
| Founded | 1975Lower | 2018 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | Cathay United Bank | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | Cathay United Bank | Lendela | Median |
|---|---|---|---|
| APR | 1.88%lowest quarter | up to 48%highest quarter | 8.99% |
| Term | 84 monthsabove the median | 3 to 72 monthsabove the median | 60 months |
Median across 1005 listed lenders.
Pros and cons
Cathay United Bank
Pros
- Ranks 40 of 350 brands on APR, at 1.88%.
- Borrows up to TWD 5,000,000 for a purchase or a remortgage across a term of 84.
- Covers personal, secured and credit line lending under direct lender, so you deal with the bank rather than a broker.
Cons
- Every case runs a hard credit check, listed as hard.
- New personal loan cases carry an account management fee alongside a rate of 1.88%.
- A term of 84 runs well past the site median, which sits at 36.
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
Cathay United Bank
Who it suits
- Borrowers in Taiwan who want personal, secured or credit line lending from the lender itself rather than a broker.
- People buying or remortgaging a property, since purchase and remortgage cover both uses.
- Applicants ready for a hard credit check, given hard.
Who should look elsewhere
- Anyone who wants to draw a credit line in stages, since Monzo Flex prices its line at 10% to 23%.
- Borrowers after an app-first application, since Cashspace quotes a range of PHP 12 to PHP 36 on a single market.
- Anyone whose own market rate sits low, since Cashspace ES is listed at 0%.
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 | Cathay United Bank | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Taiwan | Yes | No |
Questions about each
Cathay United Bank
What rate does Cathay United Bank charge on a personal loan?+
The bank quotes an APR of 1.88% on its personal loan product, well below where most of the lenders on the site sit. The site median runs at 12%, so the gap is wide. Loans reach TWD 5,000,000 over a term of 84.
What fees come with a new personal loan?+
New personal loan cases pay an account management fee, alongside a rate of 1.88% on the product page. The published charge is written for new cases, so anyone already banking with the bank should check the current terms. Budget for the fee as well as the interest when you compare.
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.
Other options to compare
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