Updated September 29, 2026 · BorrowCue Editorial Team
Cool Credit vs LEND.ch
What sets them apart
| Compare |  Cool Credit |  LEND.ch |
|---|---|---|
| APR | 3,091% to 416,607% | 4.3% to 9.96%Lower |
| Loan amount | CZK 1,000 to CZK 30,000 | from CHF 10,000 |
| Term | 5 to 93 monthsHigher | 12 to 84 months |
| Arrangement fee | Loan provision fee 375 CZK on 1,000 CZK for 30 days; 6,750 CZK on 9,000 CZK for 93 days | 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) |
| Representative example | 1,000 CZK for 30 days, fixed 0% rate, loan provision fee 375 CZK, RPSN 4,716%, total repayable 1,375 CZK | 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 | Individuals aged 18+ with permanent or temporary residence in the Czech Republic, own Czech bank account, mobile phone and email | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Payday, Car, Student, Business | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Funding time | Within 10 minutes of loan 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
- LEND.ch scores higher overall: 8.9 vs 8.8.
- Founded is lower at Cool Credit: 2013 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 3,091% to 416,607%.
- Term is higher at Cool Credit: 5 to 93 months vs 12 to 84 months.
- Support channels: only Cool Credit offers Phone.
- Loan types: only Cool Credit offers Payday.
- Loan types: only LEND.ch offers Debt consolidation, Secured, Bridging.
Our verdict on each
Cool Credit
Cool Credit suits Czech residents who need a small fixed-rate loan released quickly, and offers personal, payday, car, student and business lending under one licence.
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 | Cool Credit | LEND.ch |
|---|---|---|
| Cost | 8.6 | 9.3Higher |
| Offer | 8.9Fixed rates on CZK 1,000 to CZK 30,000 for 5 to 93, same-day funding Within 10 minutes of loan approval. | 9.4Higher |
| Trust | 8.9Higher | 8.3 |
From lowest to highest
| Fact | Cool Credit | LEND.ch |
|---|---|---|
| APR | 3,091% to 416,607% | 4.3% to 9.96% |
| Term | 5 to 93 months | 12 to 84 months |
Which one suits you
Pick Cool Credit if trust and term matter most.
Pick LEND.ch if cost, offer, and apr matter most.
Where they rank in our lists
| Ranking | Cool Credit | LEND.ch |
|---|---|---|
| Personal loans | 123 of 1932 | 113 of 1932 |
| Car loans | 33 of 431 | 29 of 431 |
| Business loans | 21 of 435 | 18 of 435 |
| Private student loans | 11 of 167 | 10 of 167 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Cool Credit
917,300 to 124,972,100
917,300 to 124,972,100
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
LEND.ch comes out 916,623.26 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What we checked
Cool Credit
- coolcredit.cz: 18 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Cool Credit | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | COOL CREDIT, s.r.o. (IČ 02112621) | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Czechia | Switzerland |
| Founded | 2013Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Email, Chat, Help centre |
Mortgages
| Fact | Cool Credit | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Cool Credit | LEND.ch | Median |
|---|---|---|---|
| APR | 3,091% to 416,607%highest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 5 to 93 monthsabove the median | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Cool Credit
Pros
- Funds arrive Within 10 minutes of loan approval, which is quick for a direct lender
- A direct lender, not a broker, so you deal with the entity that makes the decision
- Free early repayment, so settling early costs nothing extra
Cons
- An APR of 3,091% to 416,607% makes anything beyond a short bridge very expensive
- A hard credit check, which is the market's most common type of check and leaves a mark on the file
- A loan provision fee is charged on top of the interest rate, so the example total is far above the amount borrowed
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
Cool Credit
Who it suits
- Czech residents with permanent or temporary residence in the country and a Czech bank account
- Adults with a mobile phone and email, which every applicant needs here
- Borrowers covering a short gap who can clear the balance within the term
Who should look elsewhere
- Anyone planning a long repayment, because the term runs 5 to 93 and the APR is high
- Monzo Flex, if you want a longer fixed-rate loan at a rate that stays sane for years
- Cashspace ES, where the listed APR is far lower, though it sits in a different market
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
Cool Credit
Current offer
Discount code
20% discount for the loan for Slovaks: 20% off with discount code SLOV
Applies to the loan for Slovaks without permanent residence in the Czech Republic
Source, checked September 26, 2026
Country by country
| Country | Cool Credit | LEND.ch |
|---|---|---|
| Czechia | Yes | No |
| Switzerland | No | Yes |
Questions about each
Cool Credit
What rate will I pay on a Cool Credit loan?+
The advertised APR runs 3,091% to 416,607%, which spans a very wide band. The published example pairs a low fixed rate with a loan provision fee, so the headline rate understates what you repay. Always read the example against the fee rather than the rate alone.
What does Cool Credit charge to arrange a loan?+
A loan provision fee is added to the amount borrowed. The published figures show a fee on a small loan over a short period and a larger fee on a bigger loan over a longer one, so the charge scales with how much you take and how long you keep it.
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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