Updated September 28, 2026 · BorrowCue Editorial Team
LEND.ch vs Wells Fargo
What sets them apart
| Compare |  LEND.ch |  Wells Fargo |
|---|---|---|
| APR | 4.3% to 9.96%Lower | 6.74% to 26.74% |
| Loan amount | from CHF 10,000 | $3,000 to $100,000 |
| 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 USD |
| 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% | Unsecured personal loan: $17,000 over 48 months at 13.99% APR, monthly payment $464 |
| 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) | Existing customers only: must have been a Wells Fargo customer for at least 12 months |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal, Debt consolidation |
| Funding time | Not confirmed | Same day as approval for most customers |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Term (12 to 84 months), Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Wells Fargo scores higher overall: 9.5 vs 8.9.
- Founded is lower at Wells Fargo: 1852 vs 2015.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 6.74% to 26.74%.
- Support channels: only LEND.ch offers Email, Chat.
- Support channels: only Wells Fargo offers Phone.
- Loan types: only LEND.ch offers Car, Student, Business.
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.
Wells Fargo
Wells Fargo suits US borrowers who already hold an account with the group and want a lender with fixed rates.
Score breakdown
| Area | LEND.ch | Wells Fargo |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.4 | 9.4Rates run 6.74% to 26.74% over 12 to 84 for $3,000 to $100,000, fixed rate with 0 USD in fees. |
| Trust | 8.3 | 9.6Higher |
Where each is licensed and available
| Country | LEND.ch | Wells Fargo |
|---|---|---|
| Switzerland | Not confirmed | |
| United States | Not confirmed | FDIC FDIC cert 27389 |
Additional countries for LEND.ch: 1. Additional countries for Wells Fargo: 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 4.3% to 9.96% for LEND.ch and 6.74% to 26.74% for Wells Fargo.
Prestamiau ES reviewSources behind this comparison
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
Wells Fargo
- wellsfargo.com: 18 facts, checked September 26, 2026
- banks.data.fdic.gov: 2 facts, checked September 26, 2026
How they place
| Ranking | LEND.ch | Wells Fargo |
|---|---|---|
| Personal loans | 113 of 1932 | 246 of 1932 |
| Debt consolidation loans | 46 of 425 | 55 of 425 |
| Mortgages | 16 of 719 | 34 of 719 |
| Home equity loans and HELOCs | 5 of 110 | 7 of 110 |
| Home improvement loans | 54 of 562 | 67 of 562 |
Every fact side by side
| Fact | LEND.ch | Wells Fargo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Wells Fargo National Bank West |
| Headquarters | Switzerland | United States |
| Founded | 2015 | 1852Lower |
| Support channels | Email, Chat, Help centre | Phone, Help centre |
Mortgages
| Fact | LEND.ch | Wells Fargo |
|---|---|---|
| Fixed period | Not confirmed | 30 years |
| Maximum loan to value | Not confirmed | 100% |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage, First time buyer, Home equity |
Where each stands against the rest
| Fact | LEND.ch | Wells Fargo | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 6.74% to 26.74%below the median | 8.99 |
| Term | 12 to 84 monthsabove the median | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
Wells Fargo
Pros
- Personal loans carry no origination fee, at 0 USD and 0%, so the cost is interest on the balance
- Free early repayment means a personal loan can be cleared ahead of schedule without a charge for settling it
- Unsecured personal loans run $3,000 to $100,000 over 12 to 84 at 6.74% to 26.74% on a fixed rate
Cons
- Eligibility is limited to existing customers, so a new customer of the bank cannot apply for a personal loan
- Personal loan applications use a hard credit check, the type behind 72.7% of listings on the site
- Support runs on phone and help centre only, so a chat or email channel is not listed
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%.
Wells Fargo
Who it suits
- Existing Wells Fargo customers with a banking history, since personal loan eligibility is reserved for people already banking with the group
- Borrowers who want a fixed rate held for 30 on a mortgage and who can meet a hard credit check
- US borrowers consolidating debt or funding home improvement, both covered by the personal loans on offer
Who should look elsewhere
- New customers of the bank, since personal loan eligibility is reserved for existing Wells Fargo account holders
- Borrowers who want flexibility mid term: Creditilia ES fixes for 5, a shorter commitment than Wells Fargo's 30
- Buyers planning a long hold: Prestalo locks for 25, while Sofkredit spans 0.5 to 20
Current offers
Wells Fargo
Current offer
Bonus
Relationship closing cost credits: starting at $250
Not eligible with FHA and VA loans. Additional limitations may apply.
Source, checked September 26, 2026
Discount code
Relationship rate discounts: starting at 0.125%
Not eligible with FHA and VA loans. Additional limitations may apply.
Source, checked September 26, 2026
Bonus
Homebuyer Access down payment grant: $10,000
Effective for loans with a rate lock date on or after February 17, 2026. Fixed-rate conventional loan only; non-conforming, government loans and ARMs are not eligible. Borrower must occupy the property as primary residence; available in certain eligible areas; may be reported as taxable income on Form 1099-MISC.
Source, checked September 26, 2026
Country by country
| Country | LEND.ch | Wells Fargo |
|---|---|---|
| Switzerland | Yes | No |
| United States | 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.
Wells Fargo
What does a Wells Fargo personal loan cost?+
Rates run 6.74% to 26.74% and the origination fee is 0 USD with 0%, so the borrowing cost is interest alone. Loans run $3,000 to $100,000 over 12 to 84 at a fixed rate, and the representative example shown is an unsecured loan repaid in monthly instalments.
Who can apply for a Wells Fargo personal loan?+
Eligibility is limited to existing customers, so you must already bank with Wells Fargo and have held the account for a waiting period. The lender also runs a hard credit check, and the legal entity behind the loans is Wells Fargo National Bank West in the United States.
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