Updated September 29, 2026 · BorrowCue Editorial Team
AIB vs LEND.ch
Where AIB and LEND.ch differ
| Compare |  AIB |  LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Home equity | Purchase, Equity release, Home equity |
| Lender type | Direct lender | Marketplace |
| Initial rate | 3% | Not confirmed |
| APRC | 3.6% | Not confirmed |
| Fixed period | 3 years | Not confirmed |
| Maximum loan to value | 90% | Not confirmed |
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Key differences
- AIB scores higher overall: 9.4 vs 8.9.
- Founded is lower at AIB: 1966 vs 2015.
- Support channels: only AIB offers Phone.
- Support channels: only LEND.ch offers Email.
- Purpose: only AIB offers Remortgage, First time buyer, Buy to let.
- Purpose: only LEND.ch offers Equity release.
Our verdict on each
AIB
Irish retail banks suit borrowers who want a single established bank for home and personal borrowing rather than the widest choice. A home loan initial rate of 3%, an APRC of 3.6% and a personal loan APR of 8.95% keep the cost picture competitive, with a fixed period of 3.
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 | AIB | LEND.ch |
|---|---|---|
| Cost | 9.7Higher | 9.3 |
| Offer | 9.0 | 9.4Higher |
| Trust | 9.3Higher | 8.3 |
Where they rank in our lists
| Ranking | AIB | LEND.ch |
|---|---|---|
| Personal loans | 265 of 1932 | 113 of 1932 |
| Mortgages | 48 of 719 | 16 of 719 |
| Car loans | 49 of 431 | 29 of 431 |
| Private student loans | 17 of 167 | 10 of 167 |
| Home equity loans and HELOCs | 13 of 110 | 5 of 110 |
| Home improvement loans | 79 of 562 | 54 of 562 |
Licences and countries
| Country | AIB | LEND.ch |
|---|---|---|
| Ireland | Not confirmed | |
| Switzerland | Not confirmed |
Additional countries for AIB: 1. Additional countries for LEND.ch: 1.
Where these facts come from
AIB
- aib.ie: 8 facts, checked September 26, 2026
- en.wikipedia.org: 2 facts, checked September 26, 2026
LEND.ch
- lend.ch: 6 facts, checked September 26, 2026
Every fact side by side
| Fact | AIB | LEND.ch |
|---|---|---|
| Legal entity | Allied Irish Banks, p.l.c. | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Ireland | Switzerland |
| Founded | 1966Lower | 2015 |
| Support channels | Phone, Chat, Help centre | Email, Chat, Help centre |
Loans
| Fact | AIB | LEND.ch |
|---|---|---|
| APR | 8.95% | 4.3% to 9.96%Lower |
| Loan amount | €1,000 to €75,000 | from CHF 10,000 |
| Term | 12 to 60 months | 12 to 84 monthsHigher |
| 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 |
| Funding time | Decision within 3 hours; money paid into your Current Account | Not confirmed |
| Representative example | AIB standard personal loan: €1,500 over 1 year at 8.65% variable interest rate and 8.95% APR, 12 monthly instalments of €130.48, total cost of credit €65.76, total repayable €1,565.76 | 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% |
| Features | Credit line | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Yes |
| Eligibility | Over 18s only, subject to approval; Irish residents need a PPSN, residents outside Ireland a PPSN or non-Irish TRN | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Car, Student, Credit line | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Use cases | Home improvement | Home improvement |
Where each stands against the rest
| Fact | AIB | LEND.ch | Median |
|---|---|---|---|
| Initial rate | 3%lowest quarter | Not confirmed | 4.425% |
| APRC | 3.6%lowest quarter | Not confirmed | 5.04% |
| Fixed period | 3 yearslowest quarter | Not confirmed | 10 years |
| Maximum loan to value | 90%at the median | Not confirmed | 90% |
Median across 238 listed lenders.
Pros and cons
AIB
Pros
- Home loan cost sits inside the site range: initial rate 3% against a site median of 4.35%, and APRC 3.6% against 4.9%.
- A single lender covers personal, car and student, and mortgage purposes run to purchase, remortgage and first time buyer.
- Early repayment on the personal loan is free, so borrowing can be cleared ahead of schedule.
Cons
- The fixed period of 3 is short beside a site median of 6.5.
- The credit check is hard, and with the Central Bank of Ireland as regulator an application is recorded.
- Home equity lending is offered, but home loans are capped at a 90% loan to value.
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
AIB
Who it suits
- Buyers and movers in Ireland who want a mainstream bank for the home loan and a personal loan alongside it.
- Borrowers planning home improvement work, which the personal loan is aimed at.
- People who prefer a long established direct lender over a broker or marketplace.
Who should look elsewhere
- Borrowers chasing the longest rate fix, since the fixed period of 3 falls well below the site median of 6.5.
- Applicants with thin files, because the credit check is hard.
- Those wanting a credit line option wider than the single credit line listed, though Sofkredit and Creditilia ES quote lower headline rates.
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
AIB
Current offer
Bonus
AIB switcher cash offer: 3000
Switchers availing of the Higher Value 4 year fixed rate can benefit of the EUR3,000 switcher cash offer; available for Private Dwelling House (PDH) mortgages only, switching to Fixed or Variable rates, borrowing at least EUR250,000
Source, checked September 26, 2026
Country by country
| Country | AIB | LEND.ch |
|---|---|---|
| Ireland | Yes | No |
| Switzerland | No | Yes |
Questions about each
AIB
What does a home loan from these banks cost?+
The initial rate is 3% and the APRC is 3.6%, which sits below the site median of 4.9% for that measure. Loans are arranged at a maximum loan to value of 90%, and the rate is held for 3.
What does a personal loan cost?+
The APR is 8.95% on a variable rate, with borrowing running from €1,000 to €75,000 over terms of 12 to 60. The published example shows monthly instalments and a total cost of credit, and early repayment is free.
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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