Updated September 28, 2026 · BorrowCue Editorial Team
First National Bank of Omaha vs LEND.ch
Where First National Bank of Omaha and LEND.ch differ
| Compare |  First National Bank of Omaha |  LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, First time buyer, Home equity | Purchase, Equity release, Home equity |
| Lender type | Direct lender | Marketplace |
| Fixed period | 15 to 30 years | Not confirmed |
| Maximum loan to value | 100% | Not confirmed |
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Key differences
- First National Bank of Omaha scores higher overall: 9.6 vs 8.9.
- Founded is lower at First National Bank of Omaha: 1857 vs 2015.
- Support channels: only First National Bank of Omaha offers Phone, Community.
- Support channels: only LEND.ch offers Chat.
- Purpose: only First National Bank of Omaha offers Remortgage, First time buyer.
- Purpose: only LEND.ch offers Equity release.
Our verdict on each
First National Bank of Omaha
First National Bank of Omaha is a sound pick for borrowers inside its lending area who want one bank for home and personal lending, with a maximum loan to value of 100% and a fixed period of 15 to 30. Borrowing is limited to consumer accounts, so business lending is out.
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 | First National Bank of Omaha | LEND.ch |
|---|---|---|
| Cost | Not confirmed | 9.3 |
| Offer | 9.8HigherRate type variable, model fixed-rate, maximum loan to value 100%, fixed period 15 to 30, and personal loan rate 15.24% to 21.24%. | 9.4 |
| Trust | 9.5Higher | 8.3 |
Availability and regulation
| Country | First National Bank of Omaha | LEND.ch |
|---|---|---|
| Switzerland | Not confirmed | |
| United States | FDIC FDIC cert 5452 | Not confirmed |
Additional countries for First National Bank of Omaha: 1. Additional countries for LEND.ch: 1.
Where they rank in our lists
| Ranking | First National Bank of Omaha | LEND.ch |
|---|---|---|
| Personal loans | 237 of 1932 | 113 of 1932 |
| Debt consolidation loans | 53 of 425 | 46 of 425 |
| Secured loans | 27 of 472 | 18 of 472 |
| Mortgages | 29 of 719 | 16 of 719 |
| Car loans | 42 of 431 | 29 of 431 |
| Home equity loans and HELOCs | 6 of 110 | 5 of 110 |
| Home improvement loans | 64 of 562 | 54 of 562 |
What we checked
First National Bank of Omaha
- fnbo.com: 6 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
LEND.ch
- lend.ch: 6 facts, checked September 26, 2026
Every fact side by side
| Fact | First National Bank of Omaha | LEND.ch |
|---|---|---|
| Legal entity | First National Bank of Omaha | Switzerlend AG (CHE-456.445.646) |
| Headquarters | United States | Switzerland |
| Founded | 1857Lower | 2015 |
| Support channels | Phone, Email, Help centre, Community | Email, Chat, Help centre |
Loans
| Fact | First National Bank of Omaha | LEND.ch |
|---|---|---|
| APR | 15.24% to 21.24% | 4.3% to 9.96%Lower |
| Loan amount | Not confirmed | from CHF 10,000 |
| Term | Not confirmed | 12 to 84 months |
| 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) |
| Credit check | Hard | Hard |
| 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% |
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Consumer accounts only; CO, IA, IL, KS, MO, NE, SD, TX and WY residents within the lending area; borrowing amount based on income and credit score | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Credit line, Debt consolidation, Secured, Car | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | First National Bank of Omaha | LEND.ch | Median |
|---|---|---|---|
| Fixed period | 15 to 30 yearshighest quarter | Not confirmed | 10 |
| Maximum loan to value | 100%highest quarter | Not confirmed | 90% |
Median across 238 listed lenders.
Pros and cons
First National Bank of Omaha
Pros
- A direct lender, so you deal with the bank itself
- Maximum loan to value of 100%
- Fixed period of 15 to 30
Cons
- Personal loan rate of 15.24% to 21.24% sits above the site median of 12%
- Credit checks are hard, so a full search lands on file
- Rate type is variable, so payments can move
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
First National Bank of Omaha
Who it suits
- Households in its lending area buying or remortgaging
- People who want one bank for a mortgage and a personal loan
- Borrowers who prefer a direct lender
Who should look elsewhere
- Credit builders, since applications run a hard credit check
- Anyone wanting a business loan, as eligibility is consumer accounts only
- Borrowers outside its lending area
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 | First National Bank of Omaha | LEND.ch |
|---|---|---|
| Switzerland | No | Yes |
| United States | Yes | No |
Questions about each
First National Bank of Omaha
What rate do I pay on a personal loan from First National Bank of Omaha?+
Personal loans carry a rate of 15.24% to 21.24%, and the rate type is variable. That sits above the site median of 12% for personal loans. The amount you can borrow depends on your income and credit score.
Is my money safe with this bank?+
Yes. First National Bank of Omaha is a direct lender, so the money sits with the bank itself, and it holds an FDIC certificate, FDIC cert 5452. Mortgage lending runs under the NMLS, 412727.
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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