Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs MoneyHero
What sets them apart
| Compare |  LEND.ch |  MoneyHero |
|---|---|---|
| APR | 4.3% to 9.96% | 1% to 17.81%Lower |
| Loan amount | from CHF 10,000 | HK$100,000 to HK$3,000,000 |
| 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) | HKD 0 (comparison service is free of charge; no fee charged to users) |
| Credit check | Hard | Soft prequal |
| Lender type | Marketplace | Broker |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Hong Kong residents aged 18 or over; products do not apply to persons outside the Hong Kong SAR or minors |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Debt consolidation, Credit line, Car |
| Term | 12 to 84 months | Not confirmed |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: 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
- MoneyHero scores higher overall: 9.0 vs 8.9.
- APR is lower at MoneyHero: 1% to 17.81% vs 4.3% to 9.96%.
- Support channels: only LEND.ch offers Chat.
- Loan types: only LEND.ch offers Student, Business, Secured.
- Loan types: only MoneyHero offers Credit line.
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.
MoneyHero
MoneyHero is a Hong Kong comparison broker for residents who want a single fee-free search across personal loans, debt consolidation, credit lines and car finance. Loan amounts run HKD 100,000 to HKD 3,000,000 and APR run 1% to 17.81%, and a soft prequal check sits at the quote stage.
Score breakdown
| Area | LEND.ch | MoneyHero |
|---|---|---|
| Cost | 9.3 | 9.7Higher |
| Offer | 9.4Higher | 9.1Fixed-rate products start at an initial rate of 1.88% with an APRC of 1.88%, and both remortgage and home equity sit in range. |
| Trust | 8.3 | 8.4Higher |
Where each is licensed and available
| Country | LEND.ch | MoneyHero |
|---|---|---|
| Hong Kong | Not confirmed | |
| Switzerland | Not confirmed |
Additional countries for LEND.ch: 1. Additional countries for MoneyHero: 1.
From lowest to highest
| Fact | LEND.ch | MoneyHero |
|---|---|---|
| APR | 4.3% to 9.96% | 1% to 17.81% |
Where these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
MoneyHero
- moneyhero.com.hk: 16 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | MoneyHero |
|---|---|---|
| Personal loans | 113 of 1932 | 104 of 1932 |
| Debt consolidation loans | 46 of 425 | 40 of 425 |
| Mortgages | 16 of 719 | 13 of 719 |
| Car loans | 29 of 431 | 25 of 431 |
| Home equity loans and HELOCs | 5 of 110 | 4 of 110 |
| Home improvement loans | 54 of 562 | 49 of 562 |
Every fact side by side
| Fact | LEND.ch | MoneyHero |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Credit line |
| Legal entity | Switzerlend AG (CHE-456.445.646) | MoneyHero Global Limited |
| Headquarters | Switzerland | Hong Kong |
| Founded | 2015 | 2015 |
| Support channels | Email, Chat, Help centreCovers more | Email, Help centre |
Mortgages
| Fact | LEND.ch | MoneyHero |
|---|---|---|
| Initial rate | Not confirmed | 1.88% |
| APRC | Not confirmed | 1.88% |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | HK$0 |
| Purpose | Purchase, Equity release, Home equity | Home equity, Remortgage |
Where each stands against the rest
| Fact | LEND.ch | MoneyHero | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 1% to 17.81%lowest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | Not confirmed | 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.
MoneyHero
Pros
- The comparison service is free of charge and no fee is charged to users, so searching costs nothing.
- Applications run a soft prequal, so an early look does not need a full credit file.
- Loan amounts run HKD 100,000 to HKD 3,000,000, well past the €876.96 typical amount on the site.
Cons
- Support runs on email and help centre only, so questions on a live application have no phone route.
- MoneyHero is a broker, so the approval decision and the final contract sit with the partner bank rather than the site.
- The dearest end of 1% to 17.81% sits above the 12% site median, and the products ask for fair credit.
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%.
MoneyHero
Who it suits
- Hong Kong residents who are adults and want a fee-free search across personal loans, debt consolidation, credit lines and car finance.
- Borrowers who would rather compare partner bank offers once than apply to a single lender.
- Homeowners with equity to release, since the range also covers home equity and remortgage.
Who should look elsewhere
- Borrowers chasing the cheapest headline rate: Cashspace quotes APR of PHP 12 to PHP 36.
- People who want to deal with a single lender instead of a comparison service: Monzo Flex quotes APR of 10% to 23%, while MoneyHero works as a broker.
- Applicants outside the Hong Kong SAR, and minors, since the eligibility terms apply to Hong Kong residents who are adults.
Current offers
MoneyHero
Current offer
Bonus
September tax season thank-you festival, CNCBI $mart Plus instalment loan: HKD 3,300
Apply via MoneyHero during the September tax season campaign; page updated 21 September 2026; subject to terms and conditions
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | MoneyHero |
|---|---|---|
| Hong Kong | 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.
MoneyHero
Does MoneyHero charge an arrangement fee?+
The comparison service is free of charge and no fee is charged to users, so nothing is payable for the search itself. On the home equity and remortgage products, the product fee is listed as HKD 0.
Is MoneyHero a lender?+
MoneyHero is a broker, run by MoneyHero Global Limited. That means the site places offers from several partner banks next to each other, and the bank you apply to is the one that decides the rate, the approval and the contract.
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