Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Nazivnost
What sets them apart
| Compare |  Lendela |  Nazivnost |
|---|---|---|
| APR | up to 48% | 0.037% to 30,341% |
| Loan amount | SGD 1,000 to SGD 200,000 | CZK 5,000 to CZK 200,000 |
| Term | 3 to 72 monthsHigher | 2 to 12 months |
| Arrangement fee | SGD 0 | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | Within minutes of approval, at latest the next day |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Lender type | Marketplace | Direct lender |
| 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 | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Business, Payday |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0.05% |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Fair).
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Key differences
- Nazivnost scores higher overall: 9.0 vs 8.5.
- Founded is lower at Nazivnost: 2016 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 2 to 12 months.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Personal, Debt consolidation, Secured.
- Loan types: only Nazivnost offers Payday.
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.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | Lendela | Nazivnost |
|---|---|---|
| Cost | Not confirmed | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.7 |
| Trust | 8.2 | 8.8Higher |
A third option
Sofkredit has term at 6 to 240 months, against 3 to 72 months for Lendela and 2 to 12 months for Nazivnost.
Sofkredit reviewSources behind this comparison
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Nazivnost
- nazivnost.cz: 18 facts, checked September 26, 2026
- ares.gov.cz: 2 facts, checked September 26, 2026
How they place
| Ranking | Lendela | Nazivnost |
|---|---|---|
| Loans for bad credit | 42 of 275 | 57 of 275 |
| Business loans | 10 of 435 | 13 of 435 |
Every fact side by side
| Fact | Lendela | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Lendela Pte. Ltd. | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Singapore | Czechia |
| Founded | 2018 | 2016Lower |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Lendela | Nazivnost |
|---|---|---|
| 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 | Nazivnost | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0.05%below the median | 0.25% |
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.
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
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.
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | Lendela | Nazivnost |
|---|---|---|
| Czechia | No | Yes |
| Hong Kong | Yes | No |
| Singapore | Yes | No |
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.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.
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