Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Lendela
What sets them apart
| Compare |  LEND.ch |  Lendela |
|---|---|---|
| APR | 4.3% to 9.96% | up to 48% |
| Loan amount | from CHF 10,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 84 monthsHigher | 3 to 72 months |
| 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) | SGD 0 |
| Credit check | Hard | None |
| 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% | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal, Debt consolidation, Business, Secured, Student |
| Funding time | Not confirmed | Around 1-2 days from application to disbursement; some within hours |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
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.
- Founded is lower at LEND.ch: 2015 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at LEND.ch: 12 to 84 months vs 3 to 72 months.
- Support channels: only LEND.ch offers Chat.
- Support channels: only Lendela offers Phone.
- Loan types: only LEND.ch offers Car, Bridging.
Our verdict on each
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | LEND.ch | Lendela |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4Higher | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 8.3Higher | 8.2 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
Lendela
up to 9,039.28
up to 9,039.28
The stated ranges do not establish a winner.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 3 to 72 months for Lendela.
Sofkredit reviewWhere these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
How they place
| Ranking | LEND.ch | Lendela |
|---|---|---|
| Personal loans | 113 of 1932 | 74 of 1932 |
| Debt consolidation loans | 46 of 425 | 26 of 425 |
| Secured loans | 18 of 472 | 12 of 472 |
| Mortgages | 16 of 719 | 6 of 719 |
| Business loans | 18 of 435 | 10 of 435 |
| Private student loans | 10 of 167 | 6 of 167 |
| Home improvement loans | 54 of 562 | 31 of 562 |
Every fact side by side
| Fact | LEND.ch | Lendela |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Lendela Pte. Ltd. |
| Headquarters | Switzerland | Singapore |
| Founded | 2015Lower | 2018 |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | LEND.ch | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | LEND.ch | Lendela | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | up to 48%highest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 3 to 72 monthsabove the median | 60 |
Median across 1005 listed lenders.
Pros and cons
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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Who each suits
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%.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | LEND.ch | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Switzerland | Yes | No |
Questions about each
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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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