Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Wannacash ES
Where LEND.ch and Wannacash ES differ
| Compare |  LEND.ch |  Wannacash ES |
|---|---|---|
| Loan amount | from CHF 10,000 | €50 to €900 |
| Term | 12 to 84 monthsHigher | 1 month |
| 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 - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| 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) | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 4.3% to 9.96% | Not confirmed |
| Funding time | Not confirmed | Money in the account in under 15 minutes after approval; usually same day as the application |
| 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 |
| Credit needed | Not confirmed | Poor |
| Use cases | Home improvement | Not confirmed |
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Key differences
- LEND.ch scores higher overall: 8.9 vs 8.3.
- Term is higher at LEND.ch: 12 to 84 months vs 1 month.
- Support channels: only LEND.ch offers Chat, Help centre.
- Support channels: only Wannacash ES offers Phone.
- Loan types: only LEND.ch offers Debt consolidation, Bridging.
- Loan types: only Wannacash ES offers Payday, 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.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | LEND.ch | Wannacash ES |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
| Country | LEND.ch | Wannacash ES |
|---|---|---|
| Switzerland | Not confirmed |
Additional countries for LEND.ch: 1. Additional countries for Wannacash ES: 1.
Positions in our rankings
| Ranking | LEND.ch | Wannacash ES |
|---|---|---|
| Personal loans | 113 of 1932 | 23 of 1932 |
| Secured loans | 18 of 472 | 3 of 472 |
| Car loans | 29 of 431 | 7 of 431 |
| Business loans | 18 of 435 | 4 of 435 |
| Private student loans | 10 of 167 | 3 of 167 |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 1 month for Wannacash ES.
Sofkredit reviewEvery fact side by side
| Fact | LEND.ch | Wannacash ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | 7eBiz International SL |
| Headquarters | Switzerland | Spain |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Phone |
Mortgages
| Fact | LEND.ch | Wannacash ES |
|---|---|---|
| Purpose | Purchase, Equity release, Home equity | Not confirmed |
Where each stands against the rest
| Fact | LEND.ch | Wannacash ES | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | Not confirmed | 8.99 |
| Term | 12 to 84 monthsabove the median | 1 monthlowest 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.
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
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%.
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
Current offers
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Wannacash ES |
|---|---|---|
| Spain | 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.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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