Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Super Finance Markets
Where LEND.ch and Super Finance Markets differ
| Compare |  LEND.ch |  Super Finance Markets |
|---|---|---|
| APR | 4.3% to 9.96% | 0.6% to 0.85%Lower |
| Loan amount | from CHF 10,000 | A$100,000 to A$3,000,000 |
| Term | 12 to 84 monthsHigher | 3 to 24 months |
| 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 AUD (no application fee) |
| Credit check | Hard | None |
| Lender type | Marketplace | Direct lender |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Business, Secured |
| Funding time | Not confirmed | Approval in 48 hours, funds disbursed in 10 business 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 |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Super Finance Markets scores higher overall: 9.0 vs 8.9.
- Founded is lower at LEND.ch: 2015 vs 2018.
- APR is lower at Super Finance Markets: 0.6% to 0.85% vs 4.3% to 9.96%.
- Term is higher at LEND.ch: 12 to 84 months vs 3 to 24 months.
- Support channels: only LEND.ch offers Help centre.
- Support channels: only Super Finance Markets offers Phone.
- Loan types: only LEND.ch offers Personal, Debt consolidation, Car.
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.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | LEND.ch | Super Finance Markets |
|---|---|---|
| Cost | 9.3 | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| Offer | 9.4Higher | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 8.3 | 8.6Higher |
Side by side, item by item
| Loan types | LEND.ch | Super Finance Markets |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | Yes | No |
| Bridging | Yes | No |
Choosing between them
Pick LEND.ch if offer, term, and loan types matter most.
Pick Super Finance Markets if cost, trust, and apr matter most.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 4.3% to 9.96% for LEND.ch and 0.6% to 0.85% for Super Finance Markets.
Prestamiau ES reviewWhere these facts come from
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Super Finance Markets
- supercredit.com.au: 15 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | Super Finance Markets |
|---|---|---|
| Secured loans | 18 of 472 | 223 of 472 |
| Mortgages | 16 of 719 | 268 of 719 |
| Business loans | 18 of 435 | 182 of 435 |
| Home equity loans and HELOCs | 5 of 110 | 58 of 110 |
| Equity release | 1 of 32 | 15 of 32 |
Every fact side by side
| Fact | LEND.ch | Super Finance Markets |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Super Finance Markets Pty Ltd |
| Headquarters | Switzerland | Australia |
| Founded | 2015Lower | 2018 |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone |
Mortgages
| Fact | LEND.ch | Super Finance Markets |
|---|---|---|
| Initial rate | Not confirmed | 0.6% |
| Fixed period | Not confirmed | 0.25 to 2 years |
| Maximum loan to value | Not confirmed | 75% |
| Product fee | Not confirmed | A$0 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage, Equity release, Home equityCovers more |
Where each stands against the rest
| Fact | LEND.ch | Super Finance Markets | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 0.6% to 0.85%lowest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 3 to 24 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.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
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%.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
Country by country
| Country | LEND.ch | Super Finance Markets |
|---|---|---|
| Australia | 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.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.
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