LEND.ch review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Swiss salaried borrowers after a low-rate personal or consolidation loan.
APR
4.3% to 9.96% (Source, checked September 26, 2026)
Loan amount
from CHF 10,000 (Source, checked September 26, 2026)
Term
12 to 84 months (Source, checked September 26, 2026)
Arrangement fee
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) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Representative example
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% (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation, Car, Student, Business, Secured, Bridging (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Switzerlend AG (CHE-456.445.646) (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)
Official website
lend.ch

Mortgages

Purpose
Purchase, Equity-release, Home-equity (Source, checked September 26, 2026)
Lender type
Marketplace (Source, checked September 26, 2026)
Legal entity
Switzerlend AG (CHE-456.445.646) (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2015 (Source, checked September 26, 2026)
Support channels
Email, Chat, Help-centre (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

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.
  • Property lending sits on the same platform, with purchase, equity release and home equity listed alongside the personal loan range.

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.
  • Support runs on email, chat and help centre only, while phone lines appear on 85% of the loans across the site.
LEND.ch

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Scored 8.9 / 10 by BorrowCue.

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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%.

Applying and getting the money

The entry point and the tenor set everything else. Borrowing starts at from CHF 10,000, which rules out small top-ups and small emergencies, and the term runs 12 to 84, so the monthly figure quoted is a function of amount and length before any fee is added. The wide end of the term band helps when the monthly cost matters more than the total, and the short end suits a borrower who wants the balance gone quickly. Compare the monthly figure on the shortest term you can carry rather than the longest one that looks affordable, because stretching the term holds the payment down and keeps the balance alive.

Safety and regulation

Two things decide how safe the money feels: who lends it and what lands in the account. LEND.ch is a marketplace, so the lender and the rate behind an application follow the match rather than the brand, and the agreement names that lender. The representative example shows the second point plainly: the fee comes out before the payout, so the amount that arrives is smaller than the amount applied for. That is a cost detail, yet it is also a trust detail, because the sum in your account will not match the sum on your schedule. Read the payout line on any offer rather than assuming it tracks the amount you requested.

Rates and costs

The rate is the strong side of this offer, and the fee is the part to read carefully. Rates run 4.3% to 9.96%, under the 12% median across loans on the site and well below the 10% to 23% range at Monzo Flex. The arrangement fee is a single origination charge, it depends on your score, it is spread across the whole term and it is deducted from the payout rather than invoiced separately. The representative example shows an annual fee on the top score band, a total fee on a personal loan and a payout reduced by both. Early repayment is free, which matters more here than usual because the fee runs for the whole term. A lower score moves both the rate and the fee, and the top of the 4.3% to 9.96% band is where that lands.

Regulation

The service operates as a marketplace and is listed in Switzerland under SRO Polyreg, the self-regulatory organisation named in the listing. Because the brand arranges rather than lends, the counterparty on your contract is the lender named in your offer, and that is where the fee schedule and the terms sit. Only 7.4% of the loans across the site are arranged this way, with 72.1% direct lending and 20.6% broking making up the rest, so a marketplace offer is the exception in this market. Check the protection wording in the offer document, because the name on the branding is not the counterparty you owe.

Who runs it

The brand sits on a named Swiss company. The service runs on Switzerlend AG (CHE-456.445.646), registered in Switzerland and trading since 2015. Help runs on email, chat and help centre, which is email, chat and a self-serve help centre, so a question about your fee schedule can be answered in writing and kept on record. A written trail is useful on a marketplace offer, where the fee is score dependent and deducted before the payout, and it gives you something to point at if the figure on the payout line does not match the schedule.

How LEND.ch compares

Where LEND.ch is available

Available
Switzerland
Licence in Switzerland
SRO Polyreg, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

Can I repay the loan early without a charge?+

Early repayment is free, so a loan can be cleared ahead of schedule without a charge, which is worth having because the fee runs for the whole term. 81.2% of the loans across the site carry the same feature, so confirm the wording on the offer as well, since terms can differ by lender inside a marketplace.

How much can I borrow and how long can I take to repay?+

Borrowing starts at from CHF 10,000 and the term runs 12 to 84, so the amount you need and the length you choose decide the monthly figure before any fee is applied. The entry point rules out small top-ups, and the term band gives room to spread the balance if the monthly figure has to come down. Shorter terms cost less overall, longer ones cost less per month.

Does applying cause a hard credit search?+

The credit check is hard, so a search lands on your file before any offer is made. Hard searches account for 72.7% of the loans across the site, with soft prequalification at 20.4% and no search at 6.9%, so this is the normal route rather than the strict one. The same file is used to set your rate and your fee.

Who is the actual lender behind my offer?+

LEND.ch is a marketplace, so the lender and the rate behind your application follow the match rather than the brand itself, and the contract names that lender. Only 7.4% of the loans across the site are arranged this way, with 72.1% direct lending and 20.6% broking making up the rest, so read who is named on the offer before you sign.

Is the service regulated in Switzerland?+

The service is registered in Switzerland and listed there under SRO Polyreg, the self-regulatory organisation named in the Swiss listing. The operating entity is Switzerlend AG (CHE-456.445.646), so the company behind the marketplace name is identifiable. That matters because the counterparty on your agreement will be the lender named in the offer rather than the brand.

How do I get help if a fee looks wrong?+

Contact runs on email, chat and help centre, which is email, live chat and a self-serve help centre. Phone lines appear on 85% of the loans across the site, so a borrower who needs to talk to someone may have to go via the lender named on the offer. Keep the question in writing, since the fee depends on your score and the payout figure is the line to check.

Sources

  • lend.ch/en checked September 26, 2026

    Backs: Founded, Legal entity, Licences

    “In 2015, we set out to shake up the credit world with technology, healthy incentives and novel structures.”

  • lend.ch/en/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Switzerlend AG Muehlebachstrasse 38 8008 Zuerich”

  • lend.ch/en/faq/borrowers/important-points/which-fees-must... checked September 26, 2026

    Backs: Eligibility, Use cases

    “any private individual can apply for a loan via LEND, provided they are of legal age, reside in Switzerland, have an account with a Swiss bank, and have a regular income.”

  • lend.ch/en/loan-application checked September 26, 2026

    Backs: Loan amount, Credit check, Free early repayment, Lender type, Arrangement fee, Representative example

    “Individual loans from CHF 10'000. Terms between 12 and 84 months.”

  • lend.ch/en/mortgage checked September 26, 2026

    Backs: Purpose

    “Second mortgage - unlocking capital for owners using property as collateral ... Retirement mortgage - your property pension ... Bridge financing - from your old house to your new one”

  • lend.ch/en/personal-loan checked September 26, 2026

    Backs: APR, Loan types, Term

    “The effective interest rate is between 4.30% and 9.96% and is dependent on your credit score and selected loan term.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

LEND.ch

LEND.ch

Swiss salaried borrowers after a low-rate personal or consolidation loan.

8.9/10Visit

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