Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs S-Pankki
What sets them apart
| Compare |  LEND.ch |  S-Pankki |
|---|---|---|
| APR | 4.3% to 9.96%Lower | 25.005% |
| Loan amount | from CHF 10,000 | €5,000 to €50,000 |
| Term | 12 to 84 months | 12 to 144 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 EUR |
| 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% | S-Laina of 5 000 EUR over 12 months at the highest possible rate: monthly payment 469.24 EUR, 5 630.88 EUR paid in total |
| 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) | S-Laina: at least 21 years old, Finnish personal identity code, permanently resident in Finland, regular gross income of at least 1 200 EUR per month, no registered payment defaults, existing S-Pankki customer with an S-Tili account |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal |
| Funding time | Not confirmed | Paid to the account given in the application after signing the loan agreement; customers report it on the same day |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- S-Pankki scores higher overall: 9.0 vs 8.9.
- Founded is lower at S-Pankki: 2006 to 2007 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 25.005%.
- Term is higher at S-Pankki: 12 to 144 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Email, Chat.
- Support channels: only S-Pankki 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.
S-Pankki
S-Pankki suits a Finnish borrower who wants to stretch a mortgage against as much of a property's value as possible and holds an account there. The trade-off is price: the mortgage starts at 3.6%, while the personal loan carries an APR of 25.005%.
Score breakdown
| Area | LEND.ch | S-Pankki |
|---|---|---|
| Cost | 9.3Higher | 9.1Origination fee is 0 EUR and early repayment is free, but the S-Laina APR of 25.005% is high. |
| Offer | 9.4Higher | 9.1A fixed stretch of 5 to 10 and a maximum loan to value of 95% suit buyers with limited deposits. |
| Trust | 8.3 | 8.9Higher |
From lowest to highest
| Fact | LEND.ch | S-Pankki |
|---|---|---|
| Term | 12 to 84 months | 12 to 144 months |
Pick LEND.ch if, pick S-Pankki if
Pick LEND.ch if offer, apr, and loan types matter most.
Pick S-Pankki if trust and term matter most.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 4.3% to 9.96% for LEND.ch and 25.005% for S-Pankki.
Prestamiau ES reviewHow they place
| Ranking | LEND.ch | S-Pankki |
|---|---|---|
| Personal loans | 113 of 1932 | 727 of 1932 |
| Mortgages | 16 of 719 | 262 of 719 |
| Home improvement loans | 54 of 562 | 333 of 562 |
| Equity release | 1 of 32 | 14 of 32 |
Every fact side by side
| Fact | LEND.ch | S-Pankki |
|---|---|---|
| Features | Not confirmed | Credit line |
| Legal entity | Switzerlend AG (CHE-456.445.646) | S-Pankki Oyj |
| Headquarters | Switzerland | Finland |
| Founded | 2015 | 2006 to 2007Lower |
| Support channels | Email, Chat, Help centre | Phone, Help centre |
Mortgages
| Fact | LEND.ch | S-Pankki |
|---|---|---|
| Initial rate | Not confirmed | 3.6% |
| APRC | Not confirmed | 3.8% |
| Fixed period | Not confirmed | 5 to 10 years |
| Maximum loan to value | Not confirmed | 95% |
| Product fee | Not confirmed | €300 |
| 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 | S-Pankki | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 25.005%highest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 12 to 144 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.
S-Pankki
Pros
- A maximum loan to value of 95% lets a buyer stretch closer to the full value of the property.
- The mortgage initial rate of 3.6% sits well below Sofkredit's 8% to 14%.
- The rate is fixed for 5 to 10, so the monthly payment is known in advance.
Cons
- The S-Laina APR reaches 25.005% at the top of the range, and the representative example shows a total repaid well above the amount borrowed, so a slow repayment costs a lot of rate.
- The S-Laina rate is variable, so the payment can rise when the base rate moves and there is no fixed period to hold it steady.
- The credit search is hard, and only 20.4% of lenders on the site rely on a soft prequalification instead.
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%.
S-Pankki
Who it suits
- A buyer with limited savings, since the maximum loan to value of 95% is what makes a small deposit workable.
- An existing S-Pankki customer: the S-Laina asks for an S-Tili account, a Finnish personal identity code, permanent residence in Finland and no registered payment defaults.
- A borrower who wants the rate held at 3.6% for 5 to 10 and then chooses again.
Who should look elsewhere
- Not for a reader shopping on the lowest headline rate: Prestalo lists 2.36% and Creditilia ES lists 4%, both under S-Pankki's 3.6%.
- Not for someone who needs a larger unsecured loan than the S-Laina amount of €5,000 to €50,000, or a lighter touch than a hard search.
- Not for a rate comparison that treats a wide range as more choice: Sofkredit's 8% to 14% sits far above S-Pankki's 3.6%, so that is the costlier direction to move in.
Current offers
S-Pankki
Current offer
Bonus
Mortgage without delivery fee: 0 EUR delivery fee (normally at least 300 EUR)
Valid for new mortgage applications made 14.9.-31.10.2026: first-home buyers, home movers and mortgage transfers to S-Pankki
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | S-Pankki |
|---|---|---|
| Finland | 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.
S-Pankki
How much does a S-Laina cost to borrow?+
The quoted APR is 25.005%, which is the rate at the top of the range rather than the everyday price. The representative example shows the smallest loan over the shortest term paid at that highest rate, so the total repaid comes to clearly more than the amount borrowed. The origination fee is 0 EUR, so arranging the loan adds nothing to the first payment.
What does the mortgage cost in fees?+
The mortgage carries a product fee of €300, so unlike the S-Laina, where the origination fee is 0 EUR, taking out a home loan is not free to arrange. The annual percentage rate on the mortgage is 3.8%, which spreads the cost of borrowing over the fixed period rather than showing the headline rate alone.
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