Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Nykredit
What sets them apart
| Compare |  LEND.ch |  Nykredit |
|---|---|---|
| Term | 12 to 84 months | 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 DKK |
| 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) | Must already be a BoligBank 360, BoligBank 365, Private Banking or Private Banking Elite customer and fund at least 20% of the price |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Car, Secured |
| APR | 4.3% to 9.96% | Not confirmed |
| Loan amount | from CHF 10,000 | 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 | Variable |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Nykredit scores higher overall: 9.1 vs 8.9.
- Founded is lower at Nykredit: 1985 vs 2015.
- Nykredit is available in 1 more country.
- Term is higher at Nykredit: 120 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Email.
- Support channels: only Nykredit offers Phone, Community.
- Loan types: only LEND.ch offers Personal, Debt consolidation, 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.
Nykredit
Nykredit suits Danish borrowers who already bank with the group and want a secured car loan or a home loan on the same relationship. The offer rests on a rate type of variable, an origination fee of 0 DKK and a maximum loan to value of 75%.
Score breakdown
| Area | LEND.ch | Nykredit |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4Higher | 8.8Rate type is variable, origination fee is 0 DKK, maximum loan to value is 75% and term is 120. |
| Trust | 8.3 | 9.2Higher |
Which one suits you
Pick LEND.ch if offer and loan types matter most.
Pick Nykredit if trust and term matter most.
Where each is licensed and available
| Country | LEND.ch | Nykredit |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for LEND.ch: 1. Additional countries for Nykredit: 2.
How they place
| Ranking | LEND.ch | Nykredit |
|---|---|---|
| Secured loans | 18 of 472 | 169 of 472 |
| Mortgages | 16 of 719 | 207 of 719 |
| Car loans | 29 of 431 | 180 of 431 |
| Home improvement loans | 54 of 562 | 273 of 562 |
| Equity release | 1 of 32 | 11 of 32 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 120 months for Nykredit.
Sofkredit reviewEvery fact side by side
| Fact | LEND.ch | Nykredit |
|---|---|---|
| Legal entity | Switzerlend AG (CHE-456.445.646) | Nykredit Bank A/S |
| Headquarters | Switzerland | Denmark |
| Founded | 2015 | 1985Lower |
| Support channels | Email, Chat, Help centre | Phone, Chat, Help centre, Community |
Mortgages
| Fact | LEND.ch | Nykredit |
|---|---|---|
| Fixed period | Not confirmed | 1 to 30 years |
| Maximum loan to value | Not confirmed | 75% |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage, Equity release |
Where each stands against the rest
| Fact | LEND.ch | Nykredit | 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 | 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.
Nykredit
Pros
- Car and secured lending under car and secured, with free early repayment on the basic car loan
- Origination fee of 0 DKK on the electric car loan, with a term of 120
- A direct lender rather than a broker, so pricing comes from direct lender itself
Cons
- Maximum loan to value of 75% ranks 246 of 293
- The stated purpose is purchase, remortgage and equity release, so lending centres on the home rather than general borrowing
- Eligibility starts with an existing BoligBank or Private Banking relationship, so an applicant has to move banking first
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%.
Nykredit
Who it suits
- Drivers who already hold a BoligBank or a Private Banking account and want a car loan
- Homebuyers and movers who fund a deposit themselves and want one bank for the mortgage and the car
- Households planning home improvement work who want a secured loan against the property
Who should look elsewhere
- Borrowers with thin deposits, since lending stops at 75%
- Applicants with poor credit, as the check is hard
- Readers wanting a fixed rate, since the stated rate type is variable
Current offers
Nykredit
Current offer
Bonus
Bonus rate on BoligOpsparing before buying your first home: 5% bonus interest on the first DKK 300,000 of BoligOpsparing
Saving in a BoligOpsparing before buying your first home; must move your mortgage to Nykredit
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Nykredit |
|---|---|---|
| Denmark | No | Yes |
| Greenland | 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.
Nykredit
Who can apply for the Nykredit electric car loan?+
Eligibility is limited to people who already bank with the group as a BoligBank, Private Banking or Private Banking Elite customer, and who put up a deposit themselves before the rest of the price. The group dates back to 1985 and is based in Denmark.
What does the car loan cost?+
The origination fee is 0 DKK on the electric car loan, with a term of 120. The rate is variable rather than fixed, so the rate type listed is variable and the balance can move with market rates.
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