Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs LendKey
Where LEND.ch and LendKey differ
| Compare |  LEND.ch |  LendKey |
|---|---|---|
| APR | 4.3% to 9.96% | 2.09% to 15.54%Lower |
| Loan amount | from CHF 10,000 | from $1,000 |
| Term | 12 to 84 months | 60 to 180 monthsHigher |
| 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) | 0 USD |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Enrolled at least half-time in a degree-granting program at an eligible school; U.S. citizen or permanent resident; at least the age of majority; credit-based so a cosigner may be needed |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Student, Debt consolidation |
| Funding time | Not confirmed | Funds sent directly to the school after certification, generally under 30 days |
| 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% | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Lender type (Marketplace), Free early repayment (Yes), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- LendKey scores higher overall: 9.0 vs 8.9.
- Founded is lower at LendKey: 2009 vs 2015.
- APR is lower at LendKey: 2.09% to 15.54% vs 4.3% to 9.96%.
- Term is higher at LendKey: 60 to 180 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat.
- Support channels: only LendKey offers Phone.
- Loan types: only LEND.ch offers Personal, Car, Business.
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.
LendKey
LendKey is a US private student loan marketplace for students and families covering a gap in study costs, and it suits borrowers whose own credit can carry a fixed rate. Offers are priced at 2.09% to 15.54% with terms of 60 to 180 months, and rates stay fixed for the life of the loan.
Score breakdown
| Area | LEND.ch | LendKey |
|---|---|---|
| Cost | 9.3 | 9.5HigherRates of 2.09% to 15.54% on fixed rate lending, with an origination fee of 0 USD and a percentage charge of 0%. |
| Offer | 9.4 | 9.4 |
| Trust | 8.3 | 8.4Higher |
Side by side, item by item
| Loan types | LEND.ch | LendKey |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | Yes |
| Bridging | Yes | No |
| Use cases | LEND.ch | LendKey |
|---|---|---|
| Home improvement | Yes | Yes |
Choosing between them
Pick LEND.ch if loan types matter most.
Pick LendKey if apr and term matter most.
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 60 to 180 months for LendKey.
Sofkredit reviewWhere these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
LendKey
- lendkey.com: 19 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | LendKey |
|---|---|---|
| Debt consolidation loans | 46 of 425 | 39 of 425 |
| Private student loans | 10 of 167 | 9 of 167 |
| Home improvement loans | 54 of 562 | 48 of 562 |
Every fact side by side
| Fact | LEND.ch | LendKey |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Switzerlend AG (CHE-456.445.646) | LendKey Technologies, Inc. |
| Headquarters | Switzerland | United States |
| Founded | 2015 | 2009Lower |
| Support channels | Email, Chat, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | LEND.ch | LendKey |
|---|---|---|
| Purpose | Purchase, Equity release, Home equity | Not confirmed |
Where each stands against the rest
| Fact | LEND.ch | LendKey | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 2.09% to 15.54%lowest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 60 to 180 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
LendKey
Pros
- A marketplace model puts partner lenders in competition for a single application.
- Both origination charges are 0 USD and 0%, so nothing is added upfront.
- Early repayment is free, so the balance can be cleared sooner than the term allows.
Cons
- A hard credit search runs at application, and a decline can leave a mark on the file.
- The minimum loan is from $1,000 and the term runs 60 to 180 months, so smaller needs still mean a long repayment stretch.
- Pricing is fixed rate only, so there is no variable-rate option for a cheaper start.
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%.
LendKey
Who it suits
- Students at eligible schools who can support a fixed rate with their own credit or a cosigner's.
- Parents and relatives acting as a cosigner when a student's own file is thin.
- Borrowers folding student debt into one balance, since student and debt consolidation covers consolidation.
Who should look elsewhere
- Not for euro borrowers: Creduma ES sets a floor of from €12,000, a separate currency and market.
- Not for Spanish borrowers: Sofkredit prices at 10.74% to 18.06% and lends outside the US system.
Current offers
LendKey
Current offer
Discount code
0.25% autopay interest rate reduction on private student loans: 0.25% APR reduction
Enrol in automatic monthly payments from a checking or savings account with the lender; the reduction is removed and the rate raised by 0.25% on cancellation or failed collection
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | LendKey |
|---|---|---|
| Switzerland | Yes | No |
| United States | No | Yes |
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.
LendKey
What rate will I pay on a LendKey private student loan?+
Prices depend on your own credit, though published offers run at 2.09% to 15.54%. The rate type is fixed, so once a partner lender takes your application the figure holds across the term of 60 to 180 months rather than resetting as market rates move.
What fees are charged for taking out the loan?+
The origination fee is 0 USD and the percentage origination charge is 0%, so arranging the loan adds little. The cost to plan around is the interest on the balance you keep, which runs across a term of 60 to 180 months.
Other options to compare
Other matchups
- LEND.ch vs Bank of Ireland
- LEND.ch vs Commercial Bank CBclick
- LEND.ch vs Izwe Zambia
- LEND.ch vs Discovery Bank
- LEND.ch vs Moneyland.ch
- LEND.ch vs HomeSec Business Finance
- LEND.ch vs National Building Society
- LEND.ch vs Nykredit
- LEND.ch vs Standard Lesotho Bank
- LEND.ch vs Optimise
- LEND.ch vs S-Pankki
- LEND.ch vs Super Finance Markets
- LEND.ch vs First National Bank of Omaha
- LEND.ch vs Wells Fargo
- LEND.ch vs Oney Préstamos ES
- LEND.ch vs Sofkredit
- LEND.ch vs Andacredito
- LEND.ch vs Lendela
- LEND.ch vs Creditio
- LEND.ch vs Commerzbank
- LEND.ch vs Alt Lending
- LEND.ch vs MoneyHero
- LEND.ch vs Cool Credit
- LEND.ch vs Moneyveo VN
- LEND.ch vs BadCreditLoans.com