Updated September 28, 2026 · BorrowCue Editorial Team
CHECK24 vs Lendela
What sets them apart
| Compare |  CHECK24 |  Lendela |
|---|---|---|
| APR | 0.68% to 19.92% | up to 48% |
| Loan amount | €500 to €150,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 240 monthsHigher | 3 to 72 months |
| Arrangement fee | 0 EUR | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | as little as 3 minutes at some banks, same day | Around 1-2 days from application to disbursement; some within hours |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Broker | Marketplace |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| 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 |
Same on both: Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- CHECK24 scores higher overall: 9.1 vs 8.5.
- Founded is lower at CHECK24: 1999 vs 2018.
- CHECK24 is available in 1 more country.
- Term is higher at CHECK24: 12 to 240 months vs 3 to 72 months.
- Support channels: only CHECK24 offers Chat.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Business, Secured, Student.
Our verdict on each
CHECK24
CHECK24 suits German borrowers who would rather a broker shop fixed-rate loans for them. Personal loans and debt consolidation run 0.68% to 19.92%, with an origination fee of 0 EUR and terms of 12 to 240, while the home finance listings show an initial rate of 3.43%.
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 | CHECK24 | Lendela |
|---|---|---|
| Cost | 9.5 | Not confirmed |
| Offer | 9.3HigherPersonal loan rates run 0.68% to 19.92% and some banks fund the same day, but a partner bank sets the final rate. | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.7Higher | 8.2 |
How they place
| Ranking | CHECK24 | Lendela |
|---|---|---|
| Personal loans | 92 of 1932 | 74 of 1932 |
| Debt consolidation loans | 35 of 425 | 26 of 425 |
| Mortgages | 11 of 719 | 6 of 719 |
| Remortgage deals | 10 of 351 | 6 of 351 |
| Home improvement loans | 41 of 562 | 31 of 562 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
CHECK24
105.18 to 3,364.22
105.18 to 3,364.22
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Sources behind this comparison
CHECK24
- kredit.check24.de: 12 facts, checked September 26, 2026
- check24.de: 6 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 | CHECK24 | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | CHECK24 Vergleichsportal Finanzen GmbH | Lendela Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1999Lower | 2018 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Phone, Help centre |
Mortgages
| Fact | CHECK24 | Lendela |
|---|---|---|
| Initial rate | 3.43% | 2.4%Lower |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Lendela | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 12 to 240 monthshighest quarter | 3 to 72 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
CHECK24
Pros
- Origination fee of 0 EUR on personal loans, so an indicative quote does not cost you anything.
- Amounts run €500 to €150,000 with terms of 12 to 240, so a small bill and a larger project can both be spread.
- A soft prequalification check, soft prequal, shows indicative rates before any full credit check.
Cons
- The credit check listed is a soft prequalification, soft prequal, so a full check can still follow and the bank sets the final rate.
- Loan types stop at personal and debt consolidation and the maximum loan to value is 66%, so borrowers with little equity have less room on the home finance side.
- As a broker, broker, the offer comes from a partner bank, so the rate you end up with is that bank's rather than the site's.
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
CHECK24
Who it suits
- German borrowers who would rather a broker compare personal loans and debt consolidation loans than apply bank by bank.
- Anyone planning a purchase or remortgage, since the home finance listings show an initial rate of 3.43% and a fixed period of 10.
- Home improvement borrowers, since home improvement is the listed use case, home improvement.
Who should look elsewhere
- Monzo Flex, if you want one provider from first quote to final, since its rates run 10% to 23% with no broker in the middle.
- Cashspace, whose listed rates are PHP 12 to PHP 36 and sit in a different market from German fixed-rate loans.
- Cashspace ES, which shows a rate of 0% rather than the German range of 0.68% to 19.92%.
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.
Current offers
CHECK24
Current offer
Bonus
Trikot-Deal bis 01.10. sichern: free jersey plus up to 400 EUR Smily cashback
on successful conclusion of a loan with selected banks by 01.10.; cashback depends on Smily level and loan amount
Source, checked September 26, 2026
Country by country
| Country | CHECK24 | Lendela |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Spain | Yes | No |
Questions about each
CHECK24
What does it cost to take a loan through CHECK24?+
On personal loans the origination fee is 0 EUR, and the rates quoted by partner banks run 0.68% to 19.92%, a wide spread because each bank prices risk differently. Instalment loans sit on a fixed rate, fixed, so the monthly figure holds for the term. Read the representative example before you sign.
Will applying damage my credit file?+
The credit check listed is a soft prequalification, soft prequal, which shows indicative rates before you commit to anything. A full check can still be required by the bank that makes the final offer, so treat the first figures as a guide rather than a deal.
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
Other matchups
- CHECK24 vs Cathay United Bank
- Lendela vs Arab Islamic Bank
- Lendela vs Oney Préstamos ES
- CHECK24 vs Sofkredit
- Lendela vs Andacredito
- Lendela vs 5in5
- Lendela vs Multitude Bank p.l.c
- Lendela vs Qonto ES
- Lendela vs Fiesta Credito MX
- Lendela vs Solcredito
- Lendela vs Solcredito MX
- Lendela vs Creditio
- CHECK24 vs Commerzbank
- Lendela vs BriteCap Financial
- Lendela vs Alt Lending
- CHECK24 vs Postbank
- Lendela vs Kredivo
- Lendela vs Moneyveo UA
- Lendela vs TF Bank
- Lendela vs Consumers Credit Union
- CHECK24 vs MoneyHero
- Lendela vs Nazivnost
- Lendela vs Smartney
- CHECK24 vs CitiBank AE
- CHECK24 vs Borrowell
- Lendela vs LEND.ch
- Lendela vs Cool Credit
- Lendela vs Moneyveo VN