Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Optimise
What sets them apart
| Compare |  LEND.ch |  Optimise |
|---|---|---|
| APR | 4.3% to 9.96%Lower | 9.49% to 12.6% |
| Loan amount | from CHF 10,000 | £10,000 to £500,000 |
| Term | 12 to 84 months | 36 to 360 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) | No upfront fees; broker fee added on completion (up to 12.5% of secured loan) |
| 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% | Borrow 30,000 over 180 months at 9.25% fixed for 5 years then 9.75% variable; 12.6% APRC, total payable 64,878.60 incl. broker fee 3,750 and lender fee 600 |
| 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) | Homeowners (mortgaged or own outright); employed, self-employed, retired or benefits-based incomes; all credit scores considered |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Secured, Personal, Debt consolidation, Business, Bridging |
| Funding time | Not confirmed | Funds typically released within two weeks |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% to 12.5% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Optimise scores higher overall: 9.0 vs 8.9.
- Founded is lower at Optimise: 2009 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 9.49% to 12.6%.
- Term is higher at Optimise: 36 to 360 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat, Help centre.
- Support channels: only Optimise offers Phone.
- Loan types: only LEND.ch offers 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.
Optimise
Optimise is a UK broker for property-backed lending, built for homeowners whether mortgaged or owning outright, and for borrowers with a poorer credit history. Borrowing of £10,000 to £500,000 is available at 9.49% to 12.6% APR, with terms of 36 to 360, though a broker fee of 0% to 12.5% can be added on completion.
Score breakdown
| Area | LEND.ch | Optimise |
|---|---|---|
| Cost | 9.3Higher | 9.2 |
| Offer | 9.4Higher | 9.3Offer strength comes from a secured loan with soft prequalification at soft prequal, so property carries the risk instead of a hard credit check. |
| Trust | 8.3 | 8.6Higher |
Licences and countries
| Country | LEND.ch | Optimise |
|---|---|---|
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 724841 Information Commissioner's Office Z1952834 |
Additional countries for LEND.ch: 1. Additional countries for Optimise: 1.
Where these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Optimise
- optimisefinance.co.uk: 19 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | Optimise |
|---|---|---|
| Personal loans | 113 of 1932 | 691 of 1932 |
| Debt consolidation loans | 46 of 425 | 239 of 425 |
| Secured loans | 18 of 472 | 204 of 472 |
| Mortgages | 16 of 719 | 248 of 719 |
| Business loans | 18 of 435 | 164 of 435 |
| Home improvement loans | 54 of 562 | 314 of 562 |
| Equity release | 1 of 32 | 13 of 32 |
Every fact side by side
| Fact | LEND.ch | Optimise |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Optimise Finance |
| Headquarters | Switzerland | United Kingdom |
| Founded | 2015 | 2009Lower |
| Support channels | Email, Chat, Help centre | Email, Phone |
Mortgages
| Fact | LEND.ch | Optimise |
|---|---|---|
| Initial rate | Not confirmed | 6.59% to 26.3% |
| APRC | Not confirmed | 12.6% |
| Fixed period | Not confirmed | 5 years |
| Product fee | Not confirmed | £3,750 |
| 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 | Optimise | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 9.49% to 12.6%above the median | 8.99 |
| Term | 12 to 84 monthsabove the median | 36 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0% to 12.5%below the median | 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.
Optimise
Pros
- Loans of £10,000 to £500,000 at 9.49% to 12.6% APR, with terms running 36 to 360.
- A fixed rate for 5 before the pricing changes, which suits planned work.
- Every credit score is considered, and the credit profile that fits is poor, so a thinner file is still workable.
Cons
- A broker fee of 0% to 12.5% is added on completion, so the total cost sits above the quoted rate alone.
- The eligibility criteria cover property owners, mortgaged or outright, which narrows the pool of applicants considerably.
- Money moves slowly: Funds typically released within two weeks, so this is no route to funds in the same week.
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%.
Optimise
Who it suits
- Homeowners with a mortgage or a home owned outright, funding home improvement work.
- Borrowers whose credit profile is poor, since all credit scores are considered.
- Employed, self-employed, retired and benefits-based earners in the UK.
Who should look elsewhere
- Renters and first-time buyers with nothing to pledge: eligibility is limited to homeowners who are mortgaged or own outright.
- Borrowers chasing a quick fix, because Funds typically released within two weeks sets the wait.
- Readers who want a lender's own rate table: Monzo Flex publishes 10% to 23% directly, an easy side by side check.
Country by country
| Country | LEND.ch | Optimise |
|---|---|---|
| Switzerland | Yes | No |
| United Kingdom | 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.
Optimise
What rate will I pay, and what does the APR include?+
Advertised rates run 9.49% to 12.6% APR, and the worked example is shown at 12.6% APRC. The APRC is the figure that folds in the broker and lender fees, so it is the better number to compare, while the rate itself is what drives the monthly payment.
Is there an arrangement fee or upfront charge?+
There are no upfront fees. What you pay is a broker fee added on completion of 0% to 12.5%, plus lender fees, and the homeowner loans page quotes a product fee of £3,750. The cost does not appear in your first payment, so the completion stage is where it lands.
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