Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs National Building Society
What sets them apart
| Compare |  LEND.ch |  National Building Society |
|---|---|---|
| Term | 12 to 84 monthsHigher | 12 months |
| Lender type | Marketplace | Direct lender |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Applicants must have income paid directly into an NBS account, with national ID, proof of residence, proof of income and 3 months' bank statements |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal, Secured |
| APR | 4.3% to 9.96% | Not confirmed |
| Loan amount | from CHF 10,000 | Not confirmed |
| 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 |
| Credit check | Hard | Not confirmed |
| Funding time | Not confirmed | 5 working 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 |
| Free early repayment | Yes | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- National Building Society scores higher overall: 9.1 vs 8.9.
- Term is higher at LEND.ch: 12 to 84 months vs 12 months.
- Support channels: only LEND.ch offers Chat.
- Support channels: only National Building Society offers Phone.
- Loan types: only LEND.ch offers Debt consolidation, Car, Student.
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.
National Building Society
National Building Society suits borrowers who already bank with the society and want home finance and personal lending in one place. Its 50% maximum loan to value sits below what many rivals offer, so buyers needing a larger mortgage should compare elsewhere before applying.
Score breakdown
| Area | LEND.ch | National Building Society |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4Higher | 8.8Sets 50% for property lending and a 5 to 25 fixed period, plus personal and secured loans. |
| Trust | 8.3 | 9.2Higher |
Where each is licensed and available
| Country | LEND.ch | National Building Society |
|---|---|---|
| Switzerland | Not confirmed | |
| Zimbabwe | Not confirmed |
Additional countries for LEND.ch: 1. Additional countries for National Building Society: 1.
How they place
| Ranking | LEND.ch | National Building Society |
|---|---|---|
| Personal loans | 113 of 1932 | 598 of 1932 |
| Secured loans | 18 of 472 | 165 of 472 |
| Mortgages | 16 of 719 | 202 of 719 |
| Home improvement loans | 54 of 562 | 264 of 562 |
| Equity release | 1 of 32 | 10 of 32 |
Every fact side by side
| Fact | LEND.ch | National Building Society |
|---|---|---|
| Legal entity | Switzerlend AG (CHE-456.445.646) | National Building Society Limited |
| Headquarters | Switzerland | Zimbabwe |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | LEND.ch | National Building Society |
|---|---|---|
| Fixed period | Not confirmed | 5 to 25 years |
| Maximum loan to value | Not confirmed | 50% |
| Purpose | Purchase, Equity release, Home equityCovers more | Purchase, Equity release |
Where each stands against the rest
| Fact | LEND.ch | National Building Society | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | Not confirmed | 8.99 |
| Loan amount | from CHF 10,000lowest quarter | Not confirmed | CHF 250,000 |
| Term | 12 to 84 monthsabove the median | 12 monthslowest 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.
National Building Society
Pros
- Fixed periods of 5 to 25 give borrowers room to plan ahead
- Home improvement is listed as a use case, alongside purchase and equity release
- A direct lender, so applications go straight to the provider rather than a broker
Cons
- The 50% ceiling is low for a home purchase, and a 12 personal loan term is short
- Lending is listed as personal and secured, so debt consolidation and car finance sit outside the range
- Funding takes 5 working days on personal loans, longer than the quickest lenders compared here
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%.
National Building Society
Who it suits
- Borrowers who keep their salary in an account with the society
- Home buyers who value a longer fixed period over a higher loan to value
- Members planning home improvement work
Who should look elsewhere
- Anyone borrowing the maximum the market offers, because 50% is capped low
- Applicants with income paid outside the society, since eligibility requires a National Building Society account
- Sofkredit, Creditilia ES and Prestalo followers, whose fixed periods of 0.5 to 20, 5 and 25 sit elsewhere in the market
Country by country
| Country | LEND.ch | National Building Society |
|---|---|---|
| Switzerland | Yes | No |
| Zimbabwe | 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.
National Building Society
What fixed periods can I choose?+
Fixed periods run 5 to 25, a spread of lengths for a purchase, an equity release or a home improvement plan. The upper end suits a borrower who wants the payment settled for years, while the shorter end keeps the rate commitment modest if plans change.
How much can I borrow against a home?+
The maximum loan to value is 50%, so you would fund a large share of the purchase price yourself. That suits buyers with a solid deposit or equity in an existing property. Anyone stretching further on the deposit would find a higher ceiling elsewhere.
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