Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs LEND.ch
What sets them apart
| Compare |  Creduma ES |  LEND.ch |
|---|---|---|
| Loan amount | from €12,000 | from CHF 10,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 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 |
| Lender type | Broker | Marketplace |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Secured, Debt consolidation | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| APR | Not confirmed | 4.3% to 9.96% |
| Term | Not confirmed | 12 to 84 months |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | Not confirmed |
| 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% |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.7.
- Loan types: only LEND.ch offers Personal, Car, Student.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
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 | Creduma ES | LEND.ch |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.1Offer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 9.4Higher |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
Feature by feature
| Loan types | Creduma ES | LEND.ch |
|---|---|---|
| Personal | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
Licences and countries
| Country | Creduma ES | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for Creduma ES: 1. Additional countries for LEND.ch: 1.
Where they rank in our lists
| Ranking | Creduma ES | LEND.ch |
|---|---|---|
| Debt consolidation loans | 13 of 425 | 46 of 425 |
| Secured loans | 6 of 472 | 18 of 472 |
| Mortgages | 3 of 719 | 16 of 719 |
| Home equity loans and HELOCs | 2 of 110 | 5 of 110 |
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Creduma ES | LEND.ch |
|---|---|---|
| Legal entity | Not confirmed | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Not confirmed | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Not confirmed | Email, Chat, Help centre |
Mortgages
| Fact | Creduma ES | LEND.ch |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Creduma ES | LEND.ch | Median |
|---|---|---|---|
| APR | Not confirmed | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | Not confirmed | 12 to 84 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | LEND.ch |
|---|---|---|
| Spain | Yes | No |
| Switzerland | No | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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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