Updated September 28, 2026 · BorrowCue Editorial Team
Commercial Bank CBclick vs LEND.ch
What sets them apart
| Compare |  Commercial Bank CBclick |  LEND.ch |
|---|---|---|
| Loan amount | QAR 400,000 to QAR 2,000,000 | from CHF 10,000 |
| Term | 48 to 72 months | 12 to 84 monthsHigher |
| Arrangement fee | 0 QAR | 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) |
| Lender type | Direct lender | Marketplace |
| Eligibility | Qataris and expats in Qatar with a salary transfer; QID, valid passport for expats and a salary transfer letter required | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| APR | Not confirmed | 4.3% to 9.96% |
| Credit check | Not confirmed | Hard |
| 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% |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes).
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Key differences
- Commercial Bank CBclick scores higher overall: 9.2 vs 8.9.
- Founded is lower at Commercial Bank CBclick: 1974 vs 2015.
- Term is higher at LEND.ch: 12 to 84 months vs 48 to 72 months.
- Support channels: only Commercial Bank CBclick offers Phone.
- Support channels: only LEND.ch offers Email, Chat, Help centre.
- Loan types: only LEND.ch offers Debt consolidation, Car, Student.
Our verdict on each
Commercial Bank CBclick
Commercial Bank CBclick suits salaried residents of Qatar who can transfer salary to the bank and want a large personal loan rather than a small one. Borrowing runs QAR 400,000 to QAR 2,000,000 over 48 to 72, early repayment is free, and the origination fee is 0 QAR.
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 | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Cost | 9.2 | 9.3Higher |
| Offer | 8.9 | 9.4Higher |
| Trust | 9.4Higher | 8.3 |
Availability and regulation
| Country | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Qatar | Not confirmed | |
| Switzerland | Not confirmed |
Additional countries for Commercial Bank CBclick: 1. Additional countries for LEND.ch: 1.
From lowest to highest
| Fact | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Term | 48 to 72 months | 12 to 84 months |
A third option
Sofkredit has term at 6 to 240 months, against 48 to 72 months for Commercial Bank CBclick and 12 to 84 months for LEND.ch.
Sofkredit reviewWhere these facts come from
Commercial Bank CBclick
- cbq.com.qa: 11 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Personal loans | 395 of 1932 | 113 of 1932 |
| Mortgages | 110 of 719 | 16 of 719 |
| Equity release | 4 of 32 | 1 of 32 |
Every fact side by side
| Fact | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Legal entity | The Commercial Bank (P.S.Q.C) | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Qatar | Switzerland |
| Founded | 1974Lower | 2015 |
| Support channels | Phone | Email, Chat, Help centre |
Mortgages
| Fact | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Initial rate | 3.45% | Not confirmed |
| Maximum loan to value | 80% | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Commercial Bank CBclick | LEND.ch | Median |
|---|---|---|---|
| APR | Not confirmed | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 48 to 72 monthsabove the median | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Commercial Bank CBclick
Pros
- Loan sizes of QAR 400,000 to QAR 2,000,000 are substantial, with repayment terms of 48 to 72.
- Early repayment is free, so clearing the balance sooner adds no charge.
- The origination fee on a new personal loan is 0 QAR.
Cons
- Support runs on phone only, so there is no listed chat or email route.
- The lending is personal only, so there is no credit line or debt consolidation product here.
- Every applicant needs a salary transfer, a QID and, for expats, a valid passport, which narrows who can qualify.
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
Commercial Bank CBclick
Who it suits
- Borrowers after a large one-off sum repaid over a long term rather than a small top-up.
- Homebuyers, movers and first-time buyers, since its mortgage book covers purchase, remortgage and first time buyer with a maximum loan to value of 80%.
Who should look elsewhere
- Monzo Flex, if you want sterling borrowing of £10,000 to £35,000 rather than a salary-transfer loan in Qatar.
- Cashspace, if the sum you need sits near PHP 500 to PHP 25,000 instead of the QAR 400,000 to QAR 2,000,000 range here.
- Cashspace ES, if a euro loan of €100 to €5,000 is the better fit for you.
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 | Commercial Bank CBclick | LEND.ch |
|---|---|---|
| Qatar | Yes | No |
| Switzerland | No | Yes |
Questions about each
Commercial Bank CBclick
What does a Commercial Bank CBclick personal loan cost?+
The origination fee on a new personal loan is 0 QAR, so the setup charge is the main published fee. Mortgage campaigns are marketed at an initial rate of 3.45%. Because early repayment is free, settling the balance ahead of schedule does not add a charge either.
How much can I borrow and over what term?+
Personal loans run QAR 400,000 to QAR 2,000,000 and are repaid over 48 to 72, a long term on a single lump sum. The lower end sits well above the €114.37 recorded for personal loans across the site, so this targets larger sums than a typical personal loan.
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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