Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Moneyveo VN
What sets them apart
| Compare |  Lendela |  Moneyveo VN |
|---|---|---|
| APR | up to 48% | 18.25% |
| Loan amount | SGD 1,000 to SGD 200,000 | ₫500,000 to ₫30,000,000 |
| Term | 3 to 72 months | 62 to 180 monthsHigher |
| Credit check | None | Soft prequal |
| Funding time | Around 1-2 days from application to disbursement; some within hours | About 20 minutes on average from application to bank account credit |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Loan 2,000,000 VND at 18.25% APR for 100 days: total interest 100,000 VND, total repayable 2,100,000 VND |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Vietnamese citizens living and working in Vietnam, aged 20-80, valid ID card, own mobile number and own bank account |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Personal, Secured, Student, BNPL |
| Credit needed | Fair | Poor |
| Arrangement fee | SGD 0 | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | No |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Marketplace).
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Key differences
- Founded is lower at Lendela: 2018 vs 2020.
- Lendela is available in 1 more country.
- Term is higher at Moneyveo VN: 62 to 180 months vs 3 to 72 months.
- Support channels: only Lendela offers Email.
- Support channels: only Moneyveo VN offers Community.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business.
- Loan types: only Moneyveo VN offers BNPL.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Moneyveo VN
Moneyveo VN suits Vietnamese borrowers with poor credit who want a fixed rate loan in dong and cash in the bank account the same day. The trade-off is cost: an APR of 18.25% is above the site median, and free early repayment is no, so an early exit carries a charge.
Score breakdown
| Area | Lendela | Moneyveo VN |
|---|---|---|
| Cost | Not confirmed | 8.4 |
| Offer | 8.9Fees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 9.5Higher |
| Trust | 8.2Higher | 8.1 |
Feature by feature
| Loan types | Lendela | Moneyveo VN |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | Yes |
| Business | Yes | No |
| Student | Yes | Yes |
| BNPL | No | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 72 months for Lendela and 62 to 180 months for Moneyveo VN.
Sofkredit reviewHow they place
| Ranking | Lendela | Moneyveo VN |
|---|---|---|
| Personal loans | 74 of 1932 | 133 of 1932 |
| Loans for bad credit | 42 of 275 | 74 of 275 |
| Secured loans | 12 of 472 | 22 of 472 |
| Private student loans | 6 of 167 | 12 of 167 |
Every fact side by side
| Fact | Lendela | Moneyveo VN |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Lendela Pte. Ltd. | CONG TY TNHH MONEYVEO VIETNAM |
| Headquarters | Singapore | Vietnam |
| Founded | 2018Lower | 2020 |
| Support channels | Email, Phone, Help centre | Phone, Help centre, Community |
Mortgages
| Fact | Lendela | Moneyveo VN |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Moneyveo VN | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 18.25%above the median | 8.99 |
| Term | 3 to 72 monthsabove the median | 62 to 180 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
Moneyveo VN
Pros
- Same day funding: same day funding is listed, and the stated timing runs from submitting an application to the money sitting in the account.
- The credit check runs as soft prequal, the gentler option before a full search.
- Fixed rates with terms of 62 to 180 months, so repayments are set at the start.
Cons
- An APR of 18.25% puts it at 243 on APR out of the 350 brands tracked.
- Free early repayment is no, so clearing the balance early carries a charge.
- Narrow eligibility: citizens living and working in Vietnam with a valid ID card and personal phone and bank details.
Who each suits
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Moneyveo VN
Who it suits
- Citizens living and working in Vietnam with a valid ID card, personal phone number and personal bank account.
- Applicants with poor credit who want a soft prequal check and same day funding.
Who should look elsewhere
- Borrowers chasing a lower rate, since Monzo Flex charges 10% to 23% against Moneyveo VN's 18.25%.
- Anyone after a no interest option, since Cashspace ES lists 0% where Moneyveo VN charges 18.25%.
Country by country
| Country | Lendela | Moneyveo VN |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Vietnam | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
Moneyveo VN
What APR does Moneyveo VN charge?+
The stated rate is 18.25% APR, fixed for the life of the loan, and it puts Moneyveo VN at 243 on APR out of the 350 brands tracked. Predictable, but not cheap, and it is the number to weigh before anything else.
How much can I borrow, and over what term?+
Loan amounts run VND 500,000 to VND 30,000,000, and terms run 62 to 180 months. Since the rate is fixed, a longer term spreads the same borrowing over more payments, with the interest added to what you owe. What you are offered depends on the lender the marketplace matches to your application.
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