Moneyland.ch review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Moneyland.ch suits Swiss borrowers with permanent employment who want a personal loan or to consolidate debt, with an origination fee of 0 CHF and free early repayment on offer. Rates of 4% to 12% compare favourably with Cashpace at PHP 12 to PHP 36, though payout waits run over weeks.

Key facts

Best for
A personal loan or debt consolidation in Switzerland with an origination fee of 0 CHF and free early repayment.
APR
4% to 12% (Source, checked September 26, 2026)
Loan amount
CHF 40,000 to CHF 250,000 (Source, checked September 26, 2026)
Term
60 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 CHF (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
About three weeks from submitting the application to final payout (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
From 18 years, max age usually 64 to 65 at contract start, residence in Switzerland required, permit C usually accepted, permanent employment and minimum net income (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Credit needed
Fair (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
moneyland.ch AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Phone, Community (Source, checked September 26, 2026)
Official website
moneyland.ch

Mortgages

Fixed period
1 to 20 years (Source, checked September 26, 2026)
Maximum loan to value
66% to 90% (Source, checked September 26, 2026)
Product fee
CHF 0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let, Equity-release (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Legal entity
moneyland.ch AG (Source, checked September 26, 2026)
Headquarters
Switzerland (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Email, Phone, Community (Source, checked September 26, 2026)

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • Personal loan rates of 4% to 12% sit below the ranges at Cashpace, PHP 12 to PHP 36, and Monzo Flex, 10% to 23%.
  • The origination fee on a personal loan is 0 CHF, so no setup charge joins the amount you borrow.
  • Free early repayment is available, so an overpayment or a payoff before the end of the term costs nothing extra.
  • Amounts of CHF 40,000 to CHF 250,000 cover larger projects and the clearing of several existing debts in one arrangement.
  • Applications start with a soft prequalification credit check, soft prequal, and the credit file needed is fair.

Cons

  • Payout takes a few weeks from submitting the application to the final payout, so plan the first repayment around that lead time.
  • Support runs on email, phone and community only, with no live chat or self service help centre listed.
  • The smallest deal sits at the lower edge of CHF 40,000 to CHF 250,000, so a small top up falls out of range.
  • Moneyland.ch is a broker, broker, so the rate and the bank behind the loan are settled only after you apply.
Moneyland.ch

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Borrowers in Switzerland with permanent employment and a minimum net income, comparing personal loans and debt consolidation of CHF 40,000 to CHF 250,000.
  • Anyone who expects to repay early, since free early repayment is available.
  • Readers who prefer a broker quoting a range of lenders, with 4% to 12% to set beside Cashpace and Monzo Flex.

Who should look elsewhere

  • Anyone needing a small loan, since the amount range starts high at CHF 40,000 to CHF 250,000.
  • People who want live chat or a self service help centre, since support runs on email, phone and community only.
  • Readers who would rather hold a single lender's loan than a broker comparison, as at Monzo Flex with 10% to 23% or Cashpace with PHP 12 to PHP 36.

Rates and costs

Personal loan rates run 4% to 12%, and that range is the figure to set beside any other offer you collect. The origination fee is 0 CHF, so nothing is added to the amount you borrow at the start of the agreement. Free early repayment is included, which means clearing the balance ahead of schedule or handing back a surplus costs you nothing extra. Taken together, the cost of borrowing here is the interest you are quoted rather than a separate setup charge.

Applying and getting the money

Amounts run CHF 40,000 to CHF 250,000, so the comparison is built for borrowing on a larger scale rather than for a small top up. Repayment terms sit at 60 to 120, which spreads the balance over a set stretch and keeps the monthly figure predictable. Payout takes a few weeks from the day an application goes in to the final payout, so it suits planned spending with a gap in between rather than a bill that cannot wait. Anyone budgeting month to month should allow for that lead time before the first repayment falls due.

Who runs it

Moneyland.ch AG is the legal entity behind the site, and it is based in Switzerland. The company was founded in 2013 and has compared credit options on that basis since. Support runs on email, phone and community, so a phone call or an email reaches the team and the community covers quick questions. The entity name, the country of residence and the founding date are the basics to check before you pass over personal details.

How Moneyland.ch compares

Where Moneyland.ch is available

Available
Liechtenstein, Switzerland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What will a loan cost me through Moneyland.ch?+

Rates on personal loans run 4% to 12%, and the origination fee is 0 CHF, so the number worth comparing is the interest rate rather than a setup charge added on top. The rate you are finally offered depends on the lender your details reach, so treat the range as the starting point for your own figures.

Are there arrangement or product fees?+

The origination fee on a personal loan is 0 CHF, and the product fee on the mortgage comparison is CHF 0, so neither side adds a separate charge when an agreement starts. What you pay overall is the interest set on your own agreement, and a longer term spreads that cost further across the months.

How long does it take to get the money?+

Payout takes a few weeks from the day you submit an application to the final payout, which is a longer wait than a same day transfer. Once the money arrives, the term of 60 to 120 decides how the balance is repaid, so the monthly figure is built on that basis rather than on an urgent timetable.

How much can I borrow, and is that enough for me?+

Amounts run CHF 40,000 to CHF 250,000, so the comparison suits borrowing on a larger scale. A request near the top of that range generally needs a steadier file and a longer conversation with the lender, while a small top up sits below the bottom of it. Home improvement is listed as a use case, so renovation bills are a natural fit.

What credit check do I go through?+

The check runs as a soft prequalification, which is soft prequal, and the credit file needed is fair. That first look is lighter than a full search, and the heavier assessment is handled later by the lender rather than by the comparison site. Applicants are usually permanent employees with a minimum net income.

Can I repay the loan early without a charge?+

Yes, free early repayment applies, so settling the balance before the end of the agreed 60 to 120 costs nothing extra. Overpayments during the term are not penalised either, which matters if your income rises or a project finishes ahead of plan. Keep the agreement to hand, since the exact terms sit with the lender.

Who runs Moneyland.ch?+

Moneyland.ch AG is the legal entity behind the site, based in Switzerland, and it was founded in 2013. It works as a broker, so it puts your details to lenders rather than lending the money itself, and any contract is with the bank matched to you. Support sits with the same company.

How do I get help from Moneyland.ch?+

Support runs on email, phone and community, so a phone call or an email reaches the team and the community covers quick questions. Live chat and a self service help centre are not among those channels, so a question about an application in progress has to go through phone or email. The team deals with the comparison side rather than the loan itself.

Who qualifies to borrow through Moneyland.ch?+

Applicants are adults from a minimum age, with an upper age limit that usually applies at the start of the contract, and residence in Switzerland is required. A permit C is usually accepted. Permanent employment and a minimum net income are expected, and the credit file needed is fair.

Sources

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Representative example.

Moneyland.ch

Moneyland.ch

A personal loan or debt consolidation in Switzerland with an origination fee of 0 CHF and free early repayment.

9.1/10See alternatives

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