Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs VCB Bank
LEND.ch vs VCB Bank: the differences
| Compare |  LEND.ch |  VCB Bank |
|---|---|---|
| Loan amount | from CHF 10,000 | SRD 500 to SRD 50,000 |
| Term | 12 to 84 monthsHigher | 60 months |
| 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) | Valid Surinamese ID (ID card, passport or driving licence), last payslip, employer statement not older than one month, population register extract |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Car, Credit line, Secured, Business, Bridging |
| APR | 4.3% to 9.96% | Not confirmed |
| 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) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Funding time | Not confirmed | Same day (emergency loan) |
| 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 |
| Free early repayment | Yes | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- VCB Bank scores higher overall: 9.4 vs 8.9.
- Founded is lower at VCB Bank: 1949 vs 2015.
- Term is higher at LEND.ch: 12 to 84 months vs 60 months.
- Support channels: only LEND.ch offers Email, Chat.
- Support channels: only VCB Bank offers Phone.
- Loan types: only LEND.ch offers Debt consolidation, Student.
- Loan types: only VCB Bank offers Credit line.
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.
VCB Bank
VCB Bank suits Surinamese borrowers who want a bank-direct lender and can supply formal proof of income. Emergency loans are funded Same day (emergency loan), and home lending starts at 7%. Personal borrowing costs are not published, so compare rates rather than fees.
Score breakdown
| Area | LEND.ch | VCB Bank |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4Higher | 9.1Loan amounts of SRD 500 to SRD 50,000, terms of 60, same-day emergency funding and home lending at 7%. |
| Trust | 8.3 | 9.5Higher |
How they place
| Ranking | LEND.ch | VCB Bank |
|---|---|---|
| Personal loans | 113 of 1932 | 281 of 1932 |
| Secured loans | 18 of 472 | 49 of 472 |
| Mortgages | 16 of 719 | 56 of 719 |
| Car loans | 29 of 431 | 60 of 431 |
| Business loans | 18 of 435 | 49 of 435 |
| Home equity loans and HELOCs | 5 of 110 | 15 of 110 |
What each covers
| Loan types | LEND.ch | VCB Bank |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | Yes |
| Student | Yes | No |
| Bridging | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 60 months for VCB Bank.
Sofkredit reviewWhat we checked
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
VCB Bank
- vcbbank.sr: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | LEND.ch | VCB Bank |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Stichting Surinaamse Volkscredietbank |
| Headquarters | Switzerland | Suriname |
| Founded | 2015 | 1949Lower |
| Support channels | Email, Chat, Help centre | Phone, Help centre |
Mortgages
| Fact | LEND.ch | VCB Bank |
|---|---|---|
| Initial rate | Not confirmed | 7% |
| Maximum loan to value | Not confirmed | 60% to 70% |
| Purpose | Purchase, Equity release, Home equityCovers more | Purchase, Home equity |
Where each stands against the rest
| Fact | LEND.ch | VCB Bank | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | Not confirmed | 8.99 |
| Term | 12 to 84 monthsabove the median | 60 monthsat the median | 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.
VCB Bank
Pros
- You deal with the lender itself, direct lender.
- Emergency money can be funded Same day (emergency loan).
- Loan sizes run SRD 500 to SRD 50,000 against a typical personal loan of €556.48 on the site.
Cons
- Debt consolidation is not among its loan types (personal, car and credit line).
- Support runs on phone and help centre only.
- Repayment on a personal loan is capped at 60.
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%.
VCB Bank
Who it suits
- Anyone in Suriname with a Surinamese ID and formal earnings, since the SR lender asks for your last payslip, a recent employer statement and a population register extract.
- Borrowers who need money quickly, since emergency loans are funded Same day (emergency loan).
- Homebuyers, since mortgages start at 7% and run to 60% to 70% of the value.
Who should look elsewhere
- Buyers chasing the lowest headline rate, who should compare Cashspace at PHP 500 to PHP 25,000.
- Borrowers who need a larger fixed sum, who should look at Monzo Flex at £10,000 to £35,000.
- Applicants without paper proof of earnings, since eligibility rests on payslips and an employer statement.
Country by country
| Country | LEND.ch | VCB Bank |
|---|---|---|
| Suriname | 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.
VCB Bank
What can I borrow from VCB Bank?+
Personal loans run to SRD 500 to SRD 50,000, and repayment terms reach 60. The bank also writes car loans, credit lines, secured loans and business loans, so the size that fits depends on which product you pick.
How quickly can I get the money?+
Emergency loans are funded Same day (emergency loan), and that speed is the standout feature here. If you are not in a rush, a longer arrangement may suit your budget better, but the published figures give no alternative timing.
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