Updated September 28, 2026 · BorrowCue Editorial Team
Creditio vs LEND.ch
Creditio vs LEND.ch: the differences
| Compare |  Creditio |  LEND.ch |
|---|---|---|
| APR | 3% to 36%Lower | 4.3% to 9.96% |
| Loan amount | €100 to €500,000 | from CHF 10,000 |
| Term | 2 to 240 monthsHigher | 12 to 84 months |
| Arrangement fee | 0 EUR | 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) |
| Credit check | Soft prequal | Hard |
| Representative example | Personal loan: 300 EUR over 67 days, 0 EUR cost, 300 EUR total repayment, APR 0%; APR range 3%-36% | 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 | Broker | Marketplace |
| Eligibility | Users must be over 18; site targets residents of Spain plus the country sites listed in the menu (MX, CO, IT, PT, BR, RO, ZA, PL, DE, PH) | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Debt consolidation, Car, Secured, Student | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Funding time | Immediate decision in minutes; funds come from the lender you connect to | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Not confirmed | 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
- LEND.ch scores higher overall: 8.9 vs 8.8.
- Creditio is available in 10 more countries.
- APR is lower at Creditio: 3% to 36% vs 4.3% to 9.96%.
- Term is higher at Creditio: 2 to 240 months vs 12 to 84 months.
- Support channels: only Creditio offers Phone.
- Support channels: only LEND.ch offers Chat, Help centre.
- Loan types: only LEND.ch offers Business, Bridging.
Our verdict on each
Creditio
Creditio suits Spanish adults who want a broker to find them a lender quickly and who value a 0 EUR arrangement fee over a fixed rate. The wide rate range means the quote you receive matters more here than the headline does.
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 | Creditio | LEND.ch |
|---|---|---|
| Cost | 9.6HigherCosts rest on the 0 EUR arrangement fee and the no-cost personal loan example, while 3% to 36% stretches to a high ceiling. | 9.3 |
| Offer | 8.4 | 9.4Higher |
| Trust | 8.3 | 8.3 |
Pick Creditio if, pick LEND.ch if
Pick Creditio if cost, apr, and term matter most.
Pick LEND.ch if loan types matter most.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Creditio
469.24 to 6,489.37
469.24 to 6,489.37
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
Creditio comes out 207.5 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.
Availability and regulation
| Country | Creditio | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for Creditio: 11. Additional countries for LEND.ch: 1.
How they place
| Ranking | Creditio | LEND.ch |
|---|---|---|
| Personal loans | 78 of 1932 | 113 of 1932 |
| Debt consolidation loans | 28 of 425 | 46 of 425 |
| Secured loans | 13 of 472 | 18 of 472 |
| Car loans | 19 of 431 | 29 of 431 |
| Private student loans | 7 of 167 | 10 of 167 |
Every fact side by side
| Fact | Creditio | LEND.ch |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | WITME ADVERTISING S.L. | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Spain | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone | Email, Chat, Help centre |
Mortgages
| Fact | Creditio | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Creditio | LEND.ch | Median |
|---|---|---|---|
| APR | 3% to 36%lowest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 2 to 240 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditio
Pros
- The arrangement fee is 0 EUR on the personal loan in the representative example, so nothing is added on top of the interest.
- The low end of 3% to 36% sits below Cashspace at PHP 12 to PHP 36 and Monzo Flex at 10% to 23%.
- The credit check is a soft prequalification, soft prequal, where 72.7% of the brands compared use a hard check.
Cons
- The rate type is variable, so 3% to 36% is a range you are quoted into rather than a price fixed for the whole term.
- Creditio is a broker, so it never lends to you: the money and the contract both belong to the lender you are connected to, and that lender sets the final terms.
- Terms run 2 to 240, well short of the 480 seen across the brands compared, so a large balance has to be repaid quickly.
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
Creditio
Who it suits
- Adults in Spain, and residents of the other country markets named in the eligibility notice, who would rather a broker did the searching.
- Borrowers whose main worry is the arrangement charge, since the fee is 0 EUR on the personal loan example.
- People who need an answer the same day, since the decision comes back in minutes.
Who should look elsewhere
- Borrowers chasing the very lowest headline rate, since Cashspace ES quotes 0%.
- Anyone unwilling to be matched to a different lender, because Creditio is a broker and both the money and the contract sit with the lender you are connected to.
- Readers comparing on a typical rate, since the median advertised rate across the brands compared is 12% while Creditio's own 3% to 36% range is far wider.
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 | Creditio | LEND.ch |
|---|---|---|
| Brazil | Yes | No |
| Colombia | Yes | No |
| Germany | Yes | No |
| Italy | Yes | No |
| Mexico | Yes | No |
| Philippines | Yes | No |
| Poland | Yes | No |
| Portugal | Yes | No |
8 of 12 countries where either is available.
Questions about each
Creditio
What does it cost to arrange a loan through Creditio?+
The arrangement fee is 0 EUR, and the personal loan in the representative example is repaid at no cost at all. The interest rate is the figure that matters, and the example shows a rate below the advertised range of 3% to 36%. Read the two together: the charge is thin, but the range is wide enough that matches will differ, so ask for a written quote before you commit.
What rate will I be offered?+
The advertised range runs 3% to 36% and the rate type is variable, so the rate can move over the life of the loan. For reference, the median advertised rate across the brands compared here is 12%, and Monzo Flex runs 10% to 23%. Ask for the figure in writing, because a rate quoted today is not the rate you repay at later on.
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.
Other options to compare
Other matchups
- Creditio vs Arab Islamic Bank
- LEND.ch vs Bank of Ireland
- LEND.ch vs Commercial Bank CBclick
- LEND.ch vs Izwe Zambia
- LEND.ch vs Discovery Bank
- LEND.ch vs Moneyland.ch
- LEND.ch vs HomeSec Business Finance
- LEND.ch vs National Building Society
- LEND.ch vs Nykredit
- LEND.ch vs Standard Lesotho Bank
- LEND.ch vs Optimise
- LEND.ch vs S-Pankki
- LEND.ch vs Super Finance Markets
- LEND.ch vs First National Bank of Omaha
- LEND.ch vs Wells Fargo
- LEND.ch vs AffinityPlus Credit Union
- Creditio vs Oney Préstamos ES
- Creditio vs Sofkredit
- Creditio vs Andacredito
- Creditio vs Fiesta Credito MX
- Creditio vs Solcredito MX
- Creditio vs Lendela
- Creditio vs Alt Lending
- LEND.ch vs Commerzbank
- Creditio vs Consumers Credit Union
- Creditio vs Upgrade
- LEND.ch vs MoneyHero
- Creditio vs Cool Credit
- Creditio vs Moneyveo VN