Updated September 28, 2026 · BorrowCue Editorial Team
Finmercado vs LEND.ch
Where Finmercado and LEND.ch differ
| Compare |  Finmercado |  LEND.ch |
|---|---|---|
| APR | from 677.47% | 4.3% to 9.96%Lower |
| Loan amount | MX$500 to MX$200,000 | from CHF 10,000 |
| Term | 2 to 12 months | 12 to 84 monthsHigher |
| Arrangement fee | 0 MXN | 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 of MXN 2,000 over 6 quincenas, 6 payments of MXN 647, total to pay MXN 3,882; monthly interest rate 28% to 49.50% (without VAT), informative CAT from 677.47% | 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% |
| Eligibility | Mexico only, accredited Mexican lending partners; partner lenders accept from 18 years (some 21+); INE and an active bank account 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, Payday, Secured, Business, Debt consolidation, Student | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Funding time | Online application in about 5 minutes; partner lenders answer in minutes and deposit goes to the customer's bank account | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Marketplace), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.5.
- APR is lower at LEND.ch: 4.3% to 9.96% vs from 677.47%.
- Term is higher at LEND.ch: 12 to 84 months vs 2 to 12 months.
- Support channels: only Finmercado offers Community.
- Loan types: only Finmercado offers Payday.
- Loan types: only LEND.ch offers Car, Bridging.
Our verdict on each
Finmercado
Finmercado suits Mexican borrowers who need a small personal loan in the bank account the same day, with a soft prequalification and no origination fee. The trade-off is cost, with an informative CAT starting at from 677.47% and a short term, so this is a bridge rather than long-term credit.
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 | Finmercado | LEND.ch |
|---|---|---|
| Cost | 8.8Cost rests on the rate: the informative CAT starts at from 677.47%, with terms of 2 to 12 keeping balances short. | 9.3Higher |
| Offer | 8.8 | 9.4Higher |
| Trust | 8.1 | 8.3Higher |
Side by side, item by item
| Loan types | Finmercado | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | No | Yes |
| Business | Yes | Yes |
| Student | Yes | Yes |
| Bridging | No | Yes |
| Use cases | Finmercado | LEND.ch |
|---|---|---|
| Home improvement | Yes | Yes |
Sources behind this comparison
Finmercado
- finmercado.mx: 17 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | Finmercado | LEND.ch |
|---|---|---|
| Personal loans | 40 of 1932 | 113 of 1932 |
| Debt consolidation loans | 15 of 425 | 46 of 425 |
| Secured loans | 7 of 472 | 18 of 472 |
| Business loans | 6 of 435 | 18 of 435 |
| Private student loans | 4 of 167 | 10 of 167 |
| Home improvement loans | 17 of 562 | 54 of 562 |
Every fact side by side
| Fact | Finmercado | LEND.ch |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | SIA JEFF | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Mexico | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Help centre, CommunityCovers more | Email, Chat, Help centre |
Mortgages
| Fact | Finmercado | LEND.ch |
|---|---|---|
| Purpose | Not confirmed | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Finmercado | LEND.ch | Median |
|---|---|---|---|
| APR | from 677.47%highest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 2 to 12 monthslowest 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
Finmercado
Pros
- No fee for taking out a personal loan, since the origination fee is 0 MXN
- same day funding is offered and the deposit goes straight to your bank account
- The online application takes a few minutes, and partner lenders answer in minutes
Cons
- Fees are not the problem, interest is: from 677.47% is an informative rate and the representative example shows a total repayable well above the amount borrowed
- Terms run 2 to 12, so a larger balance has to be cleared quickly
- Support runs on email, chat and help centre only, with no phone line
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
Finmercado
Who it suits
- Mexican residents with an INE and an active bank account who need a personal loan quickly
- Borrowers with poor credit who want a soft prequal check before a full application
- Anyone covering home improvement without paying an origination fee of 0 MXN
Who should look elsewhere
- Borrowers who can clear a mainstream credit test, since Monzo Flex quotes 10% to 23% against the from 677.47% Finmercado starts at
- Anyone needing a repayment window longer than 2 to 12
- Readers who want to talk a lender through by phone, since support runs on email, chat and help centre
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 | Finmercado | LEND.ch |
|---|---|---|
| Mexico | Yes | No |
| Switzerland | No | Yes |
Questions about each
Finmercado
How much does borrowing from Finmercado cost?+
The informative CAT starts at from 677.47% and the origination fee is 0 MXN, so nothing is charged for setting the loan up. The representative example shows where the cost really sits: a small personal loan repaid over a short run of fortnightly payments, with a monthly interest rate quoted before VAT and a total repayable well above the amount borrowed.
Is there an arrangement fee to pay?+
The origination fee is 0 MXN, and no percentage charge sits on top because that figure is 0%. The whole cost therefore falls on the interest, which means the rate offered and the length of the term decide the bill rather than the setup.
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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