Updated September 28, 2026 · BorrowCue Editorial Team
Moneyland.ch vs Nykredit
Where Moneyland.ch and Nykredit differ
| Compare |  Moneyland.ch |  Nykredit |
|---|---|---|
| Term | 60 to 120 months | 120 months |
| Arrangement fee | 0 CHF | 0 DKK |
| Credit check | Soft prequal | Hard |
| Lender type | Broker | Direct lender |
| 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 | Must already be a BoligBank 360, BoligBank 365, Private Banking or Private Banking Elite customer and fund at least 20% of the price |
| Loan types | Personal, Debt consolidation | Car, Secured |
| APR | 4% to 12% | Not confirmed |
| Loan amount | CHF 40,000 to CHF 250,000 | Not confirmed |
| Funding time | About three weeks from submitting the application to final payout | Not confirmed |
| Rate type | Not confirmed | Variable |
| Credit needed | Fair | Not confirmed |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- Founded is lower at Nykredit: 1985 vs 2013.
- Support channels: only Moneyland.ch offers Email.
- Support channels: only Nykredit offers Chat, Help centre.
- Loan types: only Moneyland.ch offers Personal, Debt consolidation.
- Loan types: only Nykredit offers Car, Secured.
Our verdict on each
Moneyland.ch
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.
Nykredit
Nykredit suits Danish borrowers who already bank with the group and want a secured car loan or a home loan on the same relationship. The offer rests on a rate type of variable, an origination fee of 0 DKK and a maximum loan to value of 75%.
Score breakdown
| Area | Moneyland.ch | Nykredit |
|---|---|---|
| Cost | 9.4 | Not confirmed |
| Offer | 9.6HigherRates of 4% to 12%, an origination fee of 0 CHF and free early repayment make the cost of a loan here easy to predict. | 8.8Rate type is variable, origination fee is 0 DKK, maximum loan to value is 75% and term is 120. |
| Trust | 8.4 | 9.2Higher |
Positions in our rankings
| Ranking | Moneyland.ch | Nykredit |
|---|---|---|
| Mortgages | 194 of 719 | 207 of 719 |
| Remortgage deals | 140 of 351 | 150 of 351 |
| Home improvement loans | 255 of 562 | 273 of 562 |
| Equity release | 8 of 32 | 11 of 32 |
Every fact side by side
| Fact | Moneyland.ch | Nykredit |
|---|---|---|
| Legal entity | moneyland.ch AG | Nykredit Bank A/S |
| Headquarters | Switzerland | Denmark |
| Founded | 2013 | 1985Lower |
| Support channels | Email, Phone, Community | Phone, Chat, Help centre, Community |
Mortgages
| Fact | Moneyland.ch | Nykredit |
|---|---|---|
| Fixed period | 1 to 20 years | 1 to 30 yearsHigher |
| Maximum loan to value | 66% to 90%Higher | 75% |
| Product fee | CHF 0 | Not confirmed |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity releaseCovers more | Purchase, Remortgage, Equity release |
Where each stands against the rest
| Fact | Moneyland.ch | Nykredit | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | Not confirmed | 8.99 |
| Loan amount | CHF 40,000 to CHF 250,000at the median | Not confirmed | CHF 250,000 |
| Term | 60 to 120 monthshighest quarter | 120 monthshighest quarter | 60 |
Median across 1005 listed lenders.
Pros and cons
Moneyland.ch
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.
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.
Nykredit
Pros
- Car and secured lending under car and secured, with free early repayment on the basic car loan
- Origination fee of 0 DKK on the electric car loan, with a term of 120
- A direct lender rather than a broker, so pricing comes from direct lender itself
Cons
- Maximum loan to value of 75% ranks 246 of 293
- The stated purpose is purchase, remortgage and equity release, so lending centres on the home rather than general borrowing
- Eligibility starts with an existing BoligBank or Private Banking relationship, so an applicant has to move banking first
Who each suits
Moneyland.ch
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.
Nykredit
Who it suits
- Drivers who already hold a BoligBank or a Private Banking account and want a car loan
- Homebuyers and movers who fund a deposit themselves and want one bank for the mortgage and the car
- Households planning home improvement work who want a secured loan against the property
Who should look elsewhere
- Borrowers with thin deposits, since lending stops at 75%
- Applicants with poor credit, as the check is hard
- Readers wanting a fixed rate, since the stated rate type is variable
Current offers
Moneyland.ch
Current offer
Bonus
Swiss private bank discretionary wealth management offer via moneyland special offers: Up to CHF 100 gifted
Individual portfolios and unlimited access to the Wealth Advisor, daily rebalancing, free and uncomplicated via video call
Source, checked September 26, 2026
Bonus
UBS Banking for adults welcome gift via moneyland special offers: CHF 50
Account including savings account and cards managed in the UBS Mobile Banking app, plus KeyClub bonus programme
Source, checked September 26, 2026
Bonus
Saxo Bank special offer via moneyland special offers: Up to CHF 200 brokerage fee refund
Refund of brokerage fees for 90 days, plus free expert analysis and trading signals
Source, checked September 26, 2026
Nykredit
Current offer
Bonus
Bonus rate on BoligOpsparing before buying your first home: 5% bonus interest on the first DKK 300,000 of BoligOpsparing
Saving in a BoligOpsparing before buying your first home; must move your mortgage to Nykredit
Source, checked September 26, 2026
Country by country
| Country | Moneyland.ch | Nykredit |
|---|---|---|
| Denmark | No | Yes |
| Greenland | No | Yes |
| Liechtenstein | Yes | No |
| Switzerland | Yes | No |
Questions about each
Moneyland.ch
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.
Nykredit
Who can apply for the Nykredit electric car loan?+
Eligibility is limited to people who already bank with the group as a BoligBank, Private Banking or Private Banking Elite customer, and who put up a deposit themselves before the rest of the price. The group dates back to 1985 and is based in Denmark.
What does the car loan cost?+
The origination fee is 0 DKK on the electric car loan, with a term of 120. The rate is variable rather than fixed, so the rate type listed is variable and the balance can move with market rates.