Updated September 28, 2026 · BorrowCue Editorial Team
Commerzbank vs LEND.ch
Commerzbank vs LEND.ch: the differences
| Compare |  Commerzbank |  LEND.ch |
|---|---|---|
| APR | 3.29% to 12.49%Lower | 4.3% to 9.96% |
| Loan amount | €1,500 to €100,000 | from CHF 10,000 |
| Term | 6 to 119 monthsHigher | 12 to 84 months |
| Representative example | Ratenkredit legally required representative example: effective annual rate 6.64% p.a., fixed nominal rate 6.45% p.a., term 60 months, net loan amount EUR 10,000, 60 monthly instalments of EUR 195.41, total EUR 11,724.55 | 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% |
| Lender type | Direct lender | Marketplace |
| Eligibility | At least 18 years old, fixed residence in Germany, current account at a German bank receiving salary or pension, statutory credit check with a Schufa report free of negative entries; private purposes only, not for the self-employed | 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 |
| 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 | Payout generally within 24 hours after the fully digital application and credit approval | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- Commerzbank scores higher overall: 9.4 vs 8.9.
- Founded is lower at Commerzbank: 1870 vs 2015.
- APR is lower at Commerzbank: 3.29% to 12.49% vs 4.3% to 9.96%.
- Term is higher at Commerzbank: 6 to 119 months vs 12 to 84 months.
- Support channels: only Commerzbank offers Phone.
- Support channels: only LEND.ch offers Chat.
- Loan types: only LEND.ch offers Debt consolidation, Car, Student.
Our verdict on each
Commerzbank
Commerzbank suits German salaried employees and pensioners with a clean Schufa record who want a fixed-rate instalment loan from a bank they already hold an account with. Interest runs at 3.29% to 12.49% on amounts of €1,500 to €100,000, and payout generally lands within a day of approval.
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 | Commerzbank | LEND.ch |
|---|---|---|
| Cost | 9.4Higher | 9.3 |
| Offer | 9.2Direct lender offering personal loans at 3.29% to 12.49%, terms of 6 to 119 and free early repayment on the instalment product. | 9.4Higher |
| Trust | 9.6Higher | 8.3 |
Which one suits you
Pick Commerzbank if apr and term matter most.
Pick LEND.ch if loan types matter most.
Feature by feature
| Loan types | Commerzbank | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
Positions in our rankings
| Ranking | Commerzbank | LEND.ch |
|---|---|---|
| Personal loans | 80 of 1932 | 113 of 1932 |
| Mortgages | 8 of 719 | 16 of 719 |
| Home equity loans and HELOCs | 3 of 110 | 5 of 110 |
Where these facts come from
Commerzbank
- commerzbank.de: 16 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Commerzbank | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Commerzbank Aktiengesellschaft | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Germany | Switzerland |
| Founded | 1870Lower | 2015 |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | Commerzbank | LEND.ch |
|---|---|---|
| Initial rate | 4.45% | Not confirmed |
| APRC | 4.54% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 60% | Not confirmed |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Commerzbank | LEND.ch | Median |
|---|---|---|---|
| APR | 3.29% to 12.49%lowest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 6 to 119 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Commerzbank
Pros
- You deal with a direct lender, so the bank sets the rate and funds the loan with no broker in between.
- Installments run at 3.29% to 12.49% on a fixed basis, and early repayment is free.
- Payout generally lands within a day once a fully digital application is approved, and the loan carries same day funding.
Cons
- The credit check is hard: hard, and eligibility wants a Schufa report free of negative entries.
- Lending covers private purposes and personal loans only, so the self-employed are excluded.
- Support runs on email, phone and help centre only.
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
Commerzbank
Who it suits
- Adults living in Germany permanently whose salary or pension is paid into a current account at a German bank.
- Borrowers happy with one fixed rate for the whole term who can clear the balance early at no extra cost.
- Homebuyers and remortgagers who can live with a maximum loan to value of 60%.
Who should look elsewhere
- Self-employed applicants, as the instalment loan is for private purposes only.
- Borrowers chasing the lowest headline rate: Cashspace ES shows 0% and Monzo Flex 10% to 23%, but neither is a German bank loan for residents here.
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%.
Current offers
Commerzbank
Current offer
Bonus
Automatic individual rate advantage on Ratenkredit for free use concluded online or in the app: 0.01% to 0.6% p.a. lower rate
Valid until further notice; only for Ratenkredite zur freien Verfügung concluded via the online application or app; contracts via comparison portals excluded; amount depends on term and creditworthiness
Source, checked September 26, 2026
Country by country
| Country | Commerzbank | LEND.ch |
|---|---|---|
| Germany | Yes | No |
| Switzerland | No | Yes |
Questions about each
Commerzbank
What interest rate do I pay on a Commerzbank instalment loan?+
The instalment loan is fixed-rate, so fixed rates of 3.29% to 12.49% apply for the whole term. The legally required representative example also sets out the effective annual rate, the nominal rate, the term, the net amount borrowed, the monthly instalment and the total repaid, which makes the real cost easy to check before applying.
How much can I borrow, and over what term?+
Amounts run €1,500 to €100,000 on the instalment loan, and the term runs 6 to 119. You repay in fixed monthly instalments, so a longer term lowers each payment but raises the total repaid, while a shorter term does the opposite.
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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