Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Moneyland.ch
Where LEND.ch and Moneyland.ch differ
| Compare |  LEND.ch |  Moneyland.ch |
|---|---|---|
| APR | 4.3% to 9.96% | 4% to 12%Lower |
| Loan amount | from CHF 10,000 | CHF 40,000 to CHF 250,000 |
| Term | 12 to 84 months | 60 to 120 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 CHF |
| 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) | From 18 years, max age usually 64 to 65 at contract start, residence in Switzerland required, permit C usually accepted, permanent employment and minimum net income |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal, Debt consolidation |
| Funding time | Not confirmed | About three weeks from submitting the application to final payout |
| 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 |
| Credit needed | Not confirmed | Fair |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Moneyland.ch scores higher overall: 9.1 vs 8.9.
- Founded is lower at Moneyland.ch: 2013 vs 2015.
- Moneyland.ch is available in 1 more country.
- APR is lower at Moneyland.ch: 4% to 12% vs 4.3% to 9.96%.
- Term is higher at Moneyland.ch: 60 to 120 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat, Help centre.
- Support channels: only Moneyland.ch offers Phone, Community.
- Loan types: only LEND.ch offers Car, Student, 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.
Moneyland.ch
Moneyland.ch suits Swiss borrowers with permanent employment who want a personal loan or to consolidate debt, with an origination fee of 0 CHF and free early repayment on offer. Rates of 4% to 12% compare favourably with Cashpace at PHP 12 to PHP 36, though payout waits run over weeks.
Score breakdown
| Area | LEND.ch | Moneyland.ch |
|---|---|---|
| Cost | 9.3 | 9.4Higher |
| Offer | 9.4 | 9.6HigherRates of 4% to 12%, an origination fee of 0 CHF and free early repayment make the cost of a loan here easy to predict. |
| Trust | 8.3 | 8.4Higher |
Pick LEND.ch if, pick Moneyland.ch if
Pick LEND.ch if loan types matter most.
Pick Moneyland.ch if apr and term matter most.
Feature by feature
| Loan types | LEND.ch | Moneyland.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
| Bridging | Yes | No |
| Use cases | LEND.ch | Moneyland.ch |
|---|---|---|
| Home improvement | Yes | Yes |
How they place
| Ranking | LEND.ch | Moneyland.ch |
|---|---|---|
| Personal loans | 113 of 1932 | 582 of 1932 |
| Debt consolidation loans | 46 of 425 | 188 of 425 |
| Mortgages | 16 of 719 | 194 of 719 |
| Home improvement loans | 54 of 562 | 255 of 562 |
| Equity release | 1 of 32 | 8 of 32 |
Every fact side by side
| Fact | LEND.ch | Moneyland.ch |
|---|---|---|
| Legal entity | Switzerlend AG (CHE-456.445.646) | moneyland.ch AG |
| Headquarters | Switzerland | Switzerland |
| Founded | 2015 | 2013Lower |
| Support channels | Email, Chat, Help centre | Email, Phone, Community |
Mortgages
| Fact | LEND.ch | Moneyland.ch |
|---|---|---|
| Fixed period | Not confirmed | 1 to 20 years |
| Maximum loan to value | Not confirmed | 66% to 90% |
| Product fee | Not confirmed | CHF 0 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage, First time buyer, Buy to let, Equity release |
Where each stands against the rest
| Fact | LEND.ch | Moneyland.ch | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 4% to 12%lowest quarter | 8.99 |
| Loan amount | from CHF 10,000lowest quarter | CHF 40,000 to CHF 250,000at the median | CHF 250,000 |
| Term | 12 to 84 monthsabove the median | 60 to 120 monthshighest quarter | 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.
Moneyland.ch
Pros
- Personal loan rates of 4% to 12% sit below the ranges at Cashpace, PHP 12 to PHP 36, and Monzo Flex, 10% to 23%.
- The origination fee on a personal loan is 0 CHF, so no setup charge joins the amount you borrow.
- Free early repayment is available, so an overpayment or a payoff before the end of the term costs nothing extra.
Cons
- Payout takes a few weeks from submitting the application to the final payout, so plan the first repayment around that lead time.
- Support runs on email, phone and community only, with no live chat or self service help centre listed.
- The smallest deal sits at the lower edge of CHF 40,000 to CHF 250,000, so a small top up falls out of range.
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%.
Moneyland.ch
Who it suits
- Borrowers in Switzerland with permanent employment and a minimum net income, comparing personal loans and debt consolidation of CHF 40,000 to CHF 250,000.
- Anyone who expects to repay early, since free early repayment is available.
- Readers who prefer a broker quoting a range of lenders, with 4% to 12% to set beside Cashpace and Monzo Flex.
Who should look elsewhere
- Anyone needing a small loan, since the amount range starts high at CHF 40,000 to CHF 250,000.
- People who want live chat or a self service help centre, since support runs on email, phone and community only.
- Readers who would rather hold a single lender's loan than a broker comparison, as at Monzo Flex with 10% to 23% or Cashpace with PHP 12 to PHP 36.
Current offers
Moneyland.ch
Current offer
Bonus
Swiss private bank discretionary wealth management offer via moneyland special offers: Up to CHF 100 gifted
Individual portfolios and unlimited access to the Wealth Advisor, daily rebalancing, free and uncomplicated via video call
Source, checked September 26, 2026
Bonus
UBS Banking for adults welcome gift via moneyland special offers: CHF 50
Account including savings account and cards managed in the UBS Mobile Banking app, plus KeyClub bonus programme
Source, checked September 26, 2026
Bonus
Saxo Bank special offer via moneyland special offers: Up to CHF 200 brokerage fee refund
Refund of brokerage fees for 90 days, plus free expert analysis and trading signals
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Moneyland.ch |
|---|---|---|
| Liechtenstein | No | Yes |
| Switzerland | Yes | 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.
Moneyland.ch
What will a loan cost me through Moneyland.ch?+
Rates on personal loans run 4% to 12%, and the origination fee is 0 CHF, so the number worth comparing is the interest rate rather than a setup charge added on top. The rate you are finally offered depends on the lender your details reach, so treat the range as the starting point for your own figures.
Are there arrangement or product fees?+
The origination fee on a personal loan is 0 CHF, and the product fee on the mortgage comparison is CHF 0, so neither side adds a separate charge when an agreement starts. What you pay overall is the interest set on your own agreement, and a longer term spreads that cost further across the months.
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