Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Moneyveo VN
LEND.ch vs Moneyveo VN: the differences
| Compare |  LEND.ch |  Moneyveo VN |
|---|---|---|
| APR | 4.3% to 9.96%Lower | 18.25% |
| Loan amount | from CHF 10,000 | ₫500,000 to ₫30,000,000 |
| Term | 12 to 84 months | 62 to 180 monthsHigher |
| Credit check | Hard | Soft prequal |
| 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% | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Free early repayment | YesHas it | No |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Secured, Student, BNPL |
| 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) | Not confirmed |
| Funding time | Not confirmed | About 20 minutes on average from application to bank account credit |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Marketplace).
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.5.
- Founded is lower at LEND.ch: 2015 vs 2020.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 18.25%.
- Free early repayment: only LEND.ch.
- Term is higher at Moneyveo VN: 62 to 180 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Email, Chat.
- Support channels: only Moneyveo VN offers Phone, Community.
- Loan types: only LEND.ch offers Debt consolidation, Car, Business.
- Loan types: only Moneyveo VN offers BNPL.
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.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | LEND.ch | Moneyveo VN |
|---|---|---|
| Cost | 9.3Higher | 8.4 |
| Offer | 9.4 | 9.5Higher |
| Trust | 8.3Higher | 8.1 |
From lowest to highest
| Fact | LEND.ch | Moneyveo VN |
|---|---|---|
| Term | 12 to 84 months | 62 to 180 months |
Where these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Moneyveo VN
- moneyveo.vn: 18 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | Moneyveo VN |
|---|---|---|
| Personal loans | 113 of 1932 | 133 of 1932 |
| Secured loans | 18 of 472 | 22 of 472 |
| Private student loans | 10 of 167 | 12 of 167 |
Every fact side by side
| Fact | LEND.ch | Moneyveo VN |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Switzerland | Vietnam |
| Founded | 2015Lower | 2020 |
| Support channels | Email, Chat, Help centre | Phone, Help centre, Community |
Mortgages
| Fact | LEND.ch | Moneyveo VN |
|---|---|---|
| Purpose | Purchase, Equity release, Home equity | Not confirmed |
Where each stands against the rest
| Fact | LEND.ch | Moneyveo VN | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 18.25%above the median | 8.99 |
| Term | 12 to 84 monthsabove the median | 62 to 180 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.
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
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%.
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Country by country
| Country | LEND.ch | Moneyveo VN |
|---|---|---|
| Switzerland | Yes | No |
| Vietnam | 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.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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