Updated September 28, 2026 · BorrowCue Editorial Team
ING Germany vs LEND.ch
ING Germany vs LEND.ch: the differences
| Compare |  ING Germany |  LEND.ch |
|---|---|---|
| APR | 3.69% to 10.99%Lower | 4.3% to 9.96% |
| Loan amount | €5,000 to €100,000 | from CHF 10,000 |
| Term | 12 to 120 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) |
| Representative example | Ratenkredit: net loan 15,000.00 EUR over 120 months, effective annual rate 7.22% (fixed nominal rate 6.99% p.a.), monthly instalment 175.63 EUR, total amount 21,075.24 EUR; at least two thirds of customers receive 7.22% or better | 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 | Of age, good credit standing, private not commercial use, stable monthly income of at least 1,600 EUR, residence and workplace in Germany, salary current account | 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, Credit line | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Funding time | Immediate payout on request, otherwise on a chosen date up to 3 months after approval | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- ING Germany scores higher overall: 9.4 vs 8.9.
- Founded is lower at ING Germany: 1965 vs 2015.
- APR is lower at ING Germany: 3.69% to 10.99% vs 4.3% to 9.96%.
- Term is higher at ING Germany: 12 to 120 months vs 12 to 84 months.
- Support channels: only ING Germany offers Phone.
- Support channels: only LEND.ch offers Chat.
- Loan types: only ING Germany offers Credit line.
- Loan types: only LEND.ch offers Student, Business, Secured.
Our verdict on each
ING Germany
ING Germany lends directly to residents with a salary current account, and its instalment loan fixes the rate across terms of 12 to 120. It suits borrowers consolidating debt or funding home improvements, though the hard credit check and good credit standing narrow who qualifies.
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 | ING Germany | LEND.ch |
|---|---|---|
| Cost | 9.4HigherArrangement fee of 0 EUR on a fixed rate of 3.69% to 10.99%, under the 12% typical across the site. | 9.3 |
| Offer | 9.4 | 9.4 |
| Trust | 9.5Higher | 8.3 |
Positions in our rankings
| Ranking | ING Germany | LEND.ch |
|---|---|---|
| Personal loans | 264 of 1932 | 113 of 1932 |
| Debt consolidation loans | 63 of 425 | 46 of 425 |
| Mortgages | 47 of 719 | 16 of 719 |
| Car loans | 48 of 431 | 29 of 431 |
| Home equity loans and HELOCs | 12 of 110 | 5 of 110 |
| Home improvement loans | 78 of 562 | 54 of 562 |
What each covers
| Loan types | ING Germany | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
| Use cases | ING Germany | LEND.ch |
|---|---|---|
| Home improvement | Yes | Yes |
Every fact side by side
| Fact | ING Germany | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | ING-DiBa AG | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Germany | Switzerland |
| Founded | 1965Lower | 2015 |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Mortgages
| Fact | ING Germany | LEND.ch |
|---|---|---|
| Initial rate | 4.79% | Not confirmed |
| APRC | 4.93% | Not confirmed |
| Fixed period | 15 years | Not confirmed |
| Maximum loan to value | 100% | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | ING Germany | LEND.ch | Median |
|---|---|---|---|
| APR | 3.69% to 10.99%lowest quarter | 4.3% to 9.96%lowest quarter | 8.99 |
| Term | 12 to 120 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
ING Germany
Pros
- Fixed rate of 3.69% to 10.99% on borrowing of €5,000 to €100,000, with terms of 12 to 120 and the rate held for the life of the loan.
- Same-day funding on request, and early repayment is free.
- Regulated in Germany by BaFin, with support on phone, email and help centre.
Cons
- The credit check is hard and credit standing of good is needed, so a thin file is unlikely to pass.
- Eligibility requires a salary current account plus residence and workplace in Germany, so applicants paid elsewhere or based abroad are excluded.
- Support runs on phone, email and help centre only, with no live chat option listed.
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
ING Germany
Who it suits
- Residents of Germany paid a salary into a current account, applying for a fixed-rate instalment loan.
- Borrowers consolidating debt or planning home improvement, since the lending covers both alongside car loans and a credit line.
- Homebuyers and movers, with home financing at an initial rate of 4.79%.
Who should look elsewhere
- Applicants with a poor credit file, since the check is hard and credit standing of good is required.
- Borrowers who rank lenders purely on the lowest published rate, since Cashspace ES lists 0% against 3.69% to 10.99% here.
- People without a salary current account or living outside Germany, which the eligibility terms require.
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
ING Germany
Current offer
Discount code
Autumn interest discount of up to -0.50% on new Ratenkredit, Autokredit and Wohnkredit: -0.30% on the fixed nominal interest rate, up to -0.50% combined for loan amounts from 40,001 EUR
Applications for new instalment, car or mortgage loans by 04.10.2026; -0.20% extra discount from a loan amount of 40,001 EUR; discount applied automatically in the personal best-rate offer
Source, checked September 26, 2026
Bonus
My ING current account to loan promotion: One month of interest on your Ratenkredit refunded
Open an ING Girokonto within 3 months of taking out the Ratenkredit and use it as a salary current account
Source, checked September 26, 2026
Bonus
Free Girokonto plus 200 EUR on top: 200 EUR
New Girokonto with at least 1,000 EUR incoming payments per calendar month; current account free for customers under 28
Source, checked September 26, 2026
Country by country
| Country | ING Germany | LEND.ch |
|---|---|---|
| Germany | Yes | No |
| Switzerland | No | Yes |
Questions about each
ING Germany
What can I borrow from ING Germany for personal use?+
The published lending covers personal, debt consolidation and car borrowing, with home improvement named as a use. Amounts run to €5,000 to €100,000 across terms of 12 to 120, and the rate is fixed for the life of the loan.
What rate do I pay on an instalment loan?+
The advertised rate is 3.69% to 10.99%, quoted for a fixed-rate loan of €5,000 to €100,000 over 12 to 120. The worked example pairs a fixed nominal rate with the effective annual rate, so the effective figure is the one to compare across lenders.
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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