Updated September 28, 2026 · BorrowCue Editorial Team
Moneyland.ch vs Optimise
Moneyland.ch vs Optimise: the differences
| Compare |  Moneyland.ch |  Optimise |
|---|---|---|
| APR | 4% to 12%Lower | 9.49% to 12.6% |
| Loan amount | CHF 40,000 to CHF 250,000 | £10,000 to £500,000 |
| Term | 60 to 120 months | 36 to 360 monthsHigher |
| Arrangement fee | 0 CHF | No upfront fees; broker fee added on completion (up to 12.5% of secured loan) |
| Funding time | About three weeks from submitting the application to final payout | Funds typically released within two weeks |
| 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 | Homeowners (mortgaged or own outright); employed, self-employed, retired or benefits-based incomes; all credit scores considered |
| Loan types | Personal, Debt consolidation | Secured, Personal, Debt consolidation, Business, BridgingCovers more |
| Credit needed | Fair | Poor |
| Representative example | Not confirmed | Borrow 30,000 over 180 months at 9.25% fixed for 5 years then 9.75% variable; 12.6% APRC, total payable 64,878.60 incl. broker fee 3,750 and lender fee 600 |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% to 12.5% |
Same on both: Credit check (Soft prequal), Lender type (Broker), Use cases (Home improvement).
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Key differences
- Moneyland.ch scores higher overall: 9.1 vs 9.0.
- Founded is lower at Optimise: 2009 vs 2013.
- Moneyland.ch is available in 1 more country.
- APR is lower at Moneyland.ch: 4% to 12% vs 9.49% to 12.6%.
- Term is higher at Optimise: 36 to 360 months vs 60 to 120 months.
- Support channels: only Moneyland.ch offers Community.
- Loan types: only Optimise offers Secured, Business, Bridging.
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.
Optimise
Optimise is a UK broker for property-backed lending, built for homeowners whether mortgaged or owning outright, and for borrowers with a poorer credit history. Borrowing of £10,000 to £500,000 is available at 9.49% to 12.6% APR, with terms of 36 to 360, though a broker fee of 0% to 12.5% can be added on completion.
Score breakdown
| Area | Moneyland.ch | Optimise |
|---|---|---|
| Cost | 9.4Higher | 9.2 |
| 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. | 9.3Offer strength comes from a secured loan with soft prequalification at soft prequal, so property carries the risk instead of a hard credit check. |
| Trust | 8.4 | 8.6Higher |
Choosing between them
Pick Moneyland.ch if offer and apr matter most.
Pick Optimise if term and loan types matter most.
Licences and countries
| Country | Moneyland.ch | Optimise |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 724841 Information Commissioner's Office Z1952834 |
Additional countries for Moneyland.ch: 2. Additional countries for Optimise: 1.
If neither fits
CreditPlus UA has term at 345 to 365 months, against 60 to 120 months for Moneyland.ch and 36 to 360 months for Optimise.
CreditPlus UA reviewHow they place
| Ranking | Moneyland.ch | Optimise |
|---|---|---|
| Personal loans | 582 of 1932 | 691 of 1932 |
| Loans for bad credit | 120 of 275 | 145 of 275 |
| Debt consolidation loans | 188 of 425 | 239 of 425 |
| Mortgages | 194 of 719 | 248 of 719 |
| Remortgage deals | 140 of 351 | 177 of 351 |
| Home improvement loans | 255 of 562 | 314 of 562 |
| Equity release | 8 of 32 | 13 of 32 |
Every fact side by side
| Fact | Moneyland.ch | Optimise |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | moneyland.ch AG | Optimise Finance |
| Headquarters | Switzerland | United Kingdom |
| Founded | 2013 | 2009Lower |
| Support channels | Email, Phone, CommunityCovers more | Email, Phone |
Mortgages
| Fact | Moneyland.ch | Optimise |
|---|---|---|
| Initial rate | Not confirmed | 6.59% to 26.3% |
| APRC | Not confirmed | 12.6% |
| Fixed period | 1 to 20 yearsHigher | 5 years |
| Maximum loan to value | 66% to 90% | Not confirmed |
| Product fee | CHF 0 | £3,750 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, First time buyer, Buy to let, Equity release |
Where each stands against the rest
| Fact | Moneyland.ch | Optimise | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | 9.49% to 12.6%above the median | 8.99 |
| Term | 60 to 120 monthshighest quarter | 36 to 360 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0% to 12.5%below the median | 0.25 |
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.
Optimise
Pros
- Loans of £10,000 to £500,000 at 9.49% to 12.6% APR, with terms running 36 to 360.
- A fixed rate for 5 before the pricing changes, which suits planned work.
- Every credit score is considered, and the credit profile that fits is poor, so a thinner file is still workable.
Cons
- A broker fee of 0% to 12.5% is added on completion, so the total cost sits above the quoted rate alone.
- The eligibility criteria cover property owners, mortgaged or outright, which narrows the pool of applicants considerably.
- Money moves slowly: Funds typically released within two weeks, so this is no route to funds in the same week.
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.
Optimise
Who it suits
- Homeowners with a mortgage or a home owned outright, funding home improvement work.
- Borrowers whose credit profile is poor, since all credit scores are considered.
- Employed, self-employed, retired and benefits-based earners in the UK.
Who should look elsewhere
- Renters and first-time buyers with nothing to pledge: eligibility is limited to homeowners who are mortgaged or own outright.
- Borrowers chasing a quick fix, because Funds typically released within two weeks sets the wait.
- Readers who want a lender's own rate table: Monzo Flex publishes 10% to 23% directly, an easy side by side check.
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
Country by country
| Country | Moneyland.ch | Optimise |
|---|---|---|
| Liechtenstein | Yes | No |
| Switzerland | Yes | No |
| United Kingdom | No | Yes |
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.
Optimise
What rate will I pay, and what does the APR include?+
Advertised rates run 9.49% to 12.6% APR, and the worked example is shown at 12.6% APRC. The APRC is the figure that folds in the broker and lender fees, so it is the better number to compare, while the rate itself is what drives the monthly payment.
Is there an arrangement fee or upfront charge?+
There are no upfront fees. What you pay is a broker fee added on completion of 0% to 12.5%, plus lender fees, and the homeowner loans page quotes a product fee of £3,750. The cost does not appear in your first payment, so the completion stage is where it lands.