Updated October 14, 2026 · BorrowCue Editorial Team
LEND.ch vs Taishin Bank
What sets them apart
| Compare |  LEND.ch | Taishin Bank ReviewSee alternativesSee alternatives |
|---|---|---|
| APR | 4.3% to 9.96% | 4.12% to 16.39%Lower |
| Loan amount | from CHF 10,000 | NT$150,000 to NT$5,000,000 |
| Term | 12 to 84 months | 24 to 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) | NT$9,000 total related fees in the general credit loan APR example |
| 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% | One-stage amortising credit loan, NT$300,000 for 5 years with a 12-period lock-in period, rate 2.88%-15% floating, total fees NT$9,000, total cost APR 4.12%-16.39% |
| 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) | ROC (Taiwan) nationals aged 20-60; full-time employees with 6 months' tenure and annual income of at least NT$300,000, or Taishin credit card holders of 6 months or more |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal |
| Funding time | Not confirmed | Funds available within 30 minutes after approval |
| Rate type | Not confirmed | Variable |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Taishin Bank scores higher overall: 9.3 vs 8.9.
- Founded is lower at Taishin Bank: 1992 vs 2015.
- APR is lower at Taishin Bank: 4.12% to 16.39% vs 4.3% to 9.96%.
- Free early repayment: only LEND.ch.
- Term is higher at Taishin Bank: 24 to 120 months vs 12 to 84 months.
- Support channels: only Taishin Bank offers Phone, Community.
- 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.
Taishin Bank
Taishin Bank Taiwan offers general personal-credit products with online application, contract verification, document submission and status inquiry. The listed general criteria specify local nationals aged 20 to 60.
Score breakdown
| Area | LEND.ch | Taishin Bank |
|---|---|---|
| Cost | 9.3Higher | 8.8 |
| Offer | 9.4 | 9.8Higher |
| Trust | 8.3 | 9.3Higher |
Ranges side by side
| Fact | LEND.ch | Taishin Bank |
|---|---|---|
| APR | 4.3% to 9.96% | 4.12% to 16.39% |
| Term | 12 to 84 months | 24 to 120 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 24 to 120 months for Taishin Bank.
Sofkredit reviewWhat we checked
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Taishin Bank
- taishinbank.com.tw: 17 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | Taishin Bank |
|---|---|---|
| Personal loans | 117 of 1920 | 382 of 1920 |
| Mortgages | 18 of 716 | 99 of 716 |
| Home equity loans and HELOCs | 6 of 110 | 26 of 110 |
| Equity release | 1 of 32 | 3 of 32 |
Every fact side by side
| Fact | LEND.ch | Taishin Bank |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Taishin International Bank Co., Ltd. (Taishin Bank), Unified No. 86519539 |
| Headquarters | Switzerland | Taiwan |
| Founded | 2015 | 1992Lower |
| Support channels | Email, Chat, Help centre | Phone, Email, Chat, Help centre, CommunityCovers more |
Mortgages
| Fact | LEND.ch | Taishin Bank |
|---|---|---|
| Initial rate | Not confirmed | 3% to 4.49% |
| APRC | Not confirmed | 3.04% to 4.55% |
| Fixed period | Not confirmed | 20 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | NT$8,000 to NT$10,000 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage, Home equity, Equity releaseCovers more |
Where each stands against the rest
| Fact | LEND.ch | Taishin Bank | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 4.12% to 16.39%lowest quarter | 8.99 |
| Term | 12 to 84 monthsabove the median | 24 to 120 monthshighest quarter | 60 |
Median across 1148 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.
Taishin Bank
Pros
- General personal-credit product.
- Online application, contract verification, document submission and status inquiry.
Cons
- Additional employment and income criteria apply; the age and nationality criteria do not guarantee approval.
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%.
Taishin Bank
Who it suits
- Taiwan nationals aged 20 to 60 comparing Taishin personal-credit products and online application services.
Current offers
Taishin Bank
Current offer
Bonus
LG Mall 8-day promotion: 1,500 Taishin Points for NT$15,000 spend: 1,500 points
Limited 8-day promotion, spend of NT$15,000 or more; posted 2026/09/22 in Taishin offers
Source, checked September 26, 2026
Bonus
Taishin Pay+ new customer offer: Up to 19% discount plus 10% rebate
New Taishin Pay+ customers
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Taishin Bank |
|---|---|---|
| Switzerland | Yes | No |
| Taiwan | 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.
Can I repay the loan early without a charge?+
Early repayment is free, so a loan can be cleared ahead of schedule without a charge, which is worth having because the fee runs for the whole term. 81.2% of the loans across the site carry the same feature, so confirm the wording on the offer as well, since terms can differ by lender inside a marketplace.
How much can I borrow and how long can I take to repay?+
Borrowing starts at from CHF 10,000 and the term runs 12 to 84, so the amount you need and the length you choose decide the monthly figure before any fee is applied. The entry point rules out small top-ups, and the term band gives room to spread the balance if the monthly figure has to come down. Shorter terms cost less overall, longer ones cost less per month.
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