Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Oney Préstamos ES
What sets them apart
| Compare |  LEND.ch |  Oney Préstamos ES |
|---|---|---|
| Loan amount | from CHF 10,000 | €1,000 to €45,000 |
| 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) | 3% of financed capital (apertura) |
| Lender type | Marketplace | Direct lender |
| 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) | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Car, Student, BNPL |
| APR | 4.3% to 9.96% | Not confirmed |
| Term | 12 to 84 months | Not confirmed |
| Funding time | Not confirmed | Decision within 48 h, then money sent to the account you choose |
| 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 |
| Origination fee (%) | Not confirmed | 3% |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.8.
- Free early repayment: only LEND.ch.
- Support channels: only LEND.ch offers Email, Chat.
- Support channels: only Oney Préstamos ES offers Phone.
- Loan types: only LEND.ch offers Debt consolidation, Business, Secured.
- Loan types: only Oney Préstamos ES 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.
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
Score breakdown
| Area | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Cost | 9.3Higher | 8.3 |
| Offer | 9.4Higher | 8.9 |
| Trust | 8.3 | 9.2Higher |
Positions in our rankings
| Ranking | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Personal loans | 113 of 1932 | 1 of 1932 |
| Car loans | 29 of 431 | 1 of 431 |
| Private student loans | 10 of 167 | 1 of 167 |
| Home improvement loans | 54 of 562 | 1 of 562 |
What each covers
| Loan types | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | Yes |
| BNPL | No | Yes |
| Bridging | Yes | No |
| Use cases | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Home improvement | Yes | Yes |
Sources behind this comparison
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Oney Préstamos ES
- oney.es: 13 facts, checked September 26, 2026
Every fact side by side
| Fact | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Legal entity | Switzerlend AG (CHE-456.445.646) | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Switzerland | Spain |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Help centre | Help centre, Phone |
Mortgages
| Fact | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Purpose | Purchase, Equity release, Home equity | Not confirmed |
Where each stands against the rest
| Fact | LEND.ch | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | Not confirmed | 8.99 |
| Term | 12 to 84 monthsabove the median | Not confirmed | 60 |
| Origination fee (%) | Not confirmed | 3%highest quarter | 0.25% |
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.
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
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%.
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
Current offers
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Oney Préstamos ES |
|---|---|---|
| Spain | 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.
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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