Updated September 28, 2026 · BorrowCue Editorial Team
Moneyland.ch vs S-Pankki
Where Moneyland.ch and S-Pankki differ
| Compare |  Moneyland.ch |  S-Pankki |
|---|---|---|
| APR | 4% to 12%Lower | 25.005% |
| Loan amount | CHF 40,000 to CHF 250,000 | €5,000 to €50,000 |
| Term | 60 to 120 months | 12 to 144 monthsHigher |
| Arrangement fee | 0 CHF | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | About three weeks from submitting the application to final payout | Paid to the account given in the application after signing the loan agreement; customers report it on the same day |
| 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 | S-Laina: at least 21 years old, Finnish personal identity code, permanently resident in Finland, regular gross income of at least 1 200 EUR per month, no registered payment defaults, existing S-Pankki customer with an S-Tili account |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Representative example | Not confirmed | S-Laina of 5 000 EUR over 12 months at the highest possible rate: monthly payment 469.24 EUR, 5 630.88 EUR paid in total |
| Rate type | Not confirmed | Variable |
Same on both: Free early repayment (Yes), Credit needed (Fair), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Moneyland.ch scores higher overall: 9.1 vs 9.0.
- Founded is lower at S-Pankki: 2006 to 2007 vs 2013.
- Moneyland.ch is available in 1 more country.
- APR is lower at Moneyland.ch: 4% to 12% vs 25.005%.
- Term is higher at S-Pankki: 12 to 144 months vs 60 to 120 months.
- Support channels: only Moneyland.ch offers Email, Community.
- Support channels: only S-Pankki offers Help centre.
- Loan types: only Moneyland.ch offers Debt consolidation.
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.
S-Pankki
S-Pankki suits a Finnish borrower who wants to stretch a mortgage against as much of a property's value as possible and holds an account there. The trade-off is price: the mortgage starts at 3.6%, while the personal loan carries an APR of 25.005%.
Score breakdown
| Area | Moneyland.ch | S-Pankki |
|---|---|---|
| Cost | 9.4Higher | 9.1Origination fee is 0 EUR and early repayment is free, but the S-Laina APR of 25.005% is high. |
| 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. | 9.1A fixed stretch of 5 to 10 and a maximum loan to value of 95% suit buyers with limited deposits. |
| Trust | 8.4 | 8.9Higher |
Availability and regulation
| Country | Moneyland.ch | S-Pankki |
|---|---|---|
| Finland | Not confirmed |
Additional countries for Moneyland.ch: 2. Additional countries for S-Pankki: 1.
Where they rank in our lists
| Ranking | Moneyland.ch | S-Pankki |
|---|---|---|
| Personal loans | 582 of 1932 | 727 of 1932 |
| Loans for bad credit | 120 of 275 | 151 of 275 |
| Mortgages | 194 of 719 | 262 of 719 |
| Remortgage deals | 140 of 351 | 190 of 351 |
| Home improvement loans | 255 of 562 | 333 of 562 |
| Equity release | 8 of 32 | 14 of 32 |
Every fact side by side
| Fact | Moneyland.ch | S-Pankki |
|---|---|---|
| Features | Not confirmed | Credit line |
| Legal entity | moneyland.ch AG | S-Pankki Oyj |
| Headquarters | Switzerland | Finland |
| Founded | 2013 | 2006 to 2007Lower |
| Support channels | Email, Phone, Community | Phone, Help centre |
Mortgages
| Fact | Moneyland.ch | S-Pankki |
|---|---|---|
| Initial rate | Not confirmed | 3.6% |
| APRC | Not confirmed | 3.8% |
| Fixed period | 1 to 20 yearsHigher | 5 to 10 years |
| Maximum loan to value | 66% to 90% | 95%Higher |
| Product fee | CHF 0 | €300 |
| 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 | S-Pankki | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | 25.005%highest quarter | 8.99 |
| Term | 60 to 120 monthshighest quarter | 12 to 144 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.
S-Pankki
Pros
- A maximum loan to value of 95% lets a buyer stretch closer to the full value of the property.
- The mortgage initial rate of 3.6% sits well below Sofkredit's 8% to 14%.
- The rate is fixed for 5 to 10, so the monthly payment is known in advance.
Cons
- The S-Laina APR reaches 25.005% at the top of the range, and the representative example shows a total repaid well above the amount borrowed, so a slow repayment costs a lot of rate.
- The S-Laina rate is variable, so the payment can rise when the base rate moves and there is no fixed period to hold it steady.
- The credit search is hard, and only 20.4% of lenders on the site rely on a soft prequalification instead.
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.
S-Pankki
Who it suits
- A buyer with limited savings, since the maximum loan to value of 95% is what makes a small deposit workable.
- An existing S-Pankki customer: the S-Laina asks for an S-Tili account, a Finnish personal identity code, permanent residence in Finland and no registered payment defaults.
- A borrower who wants the rate held at 3.6% for 5 to 10 and then chooses again.
Who should look elsewhere
- Not for a reader shopping on the lowest headline rate: Prestalo lists 2.36% and Creditilia ES lists 4%, both under S-Pankki's 3.6%.
- Not for someone who needs a larger unsecured loan than the S-Laina amount of €5,000 to €50,000, or a lighter touch than a hard search.
- Not for a rate comparison that treats a wide range as more choice: Sofkredit's 8% to 14% sits far above S-Pankki's 3.6%, so that is the costlier direction to move in.
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
S-Pankki
Current offer
Bonus
Mortgage without delivery fee: 0 EUR delivery fee (normally at least 300 EUR)
Valid for new mortgage applications made 14.9.-31.10.2026: first-home buyers, home movers and mortgage transfers to S-Pankki
Source, checked September 26, 2026
Country by country
| Country | Moneyland.ch | S-Pankki |
|---|---|---|
| Finland | 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.
S-Pankki
How much does a S-Laina cost to borrow?+
The quoted APR is 25.005%, which is the rate at the top of the range rather than the everyday price. The representative example shows the smallest loan over the shortest term paid at that highest rate, so the total repaid comes to clearly more than the amount borrowed. The origination fee is 0 EUR, so arranging the loan adds nothing to the first payment.
What does the mortgage cost in fees?+
The mortgage carries a product fee of €300, so unlike the S-Laina, where the origination fee is 0 EUR, taking out a home loan is not free to arrange. The annual percentage rate on the mortgage is 3.8%, which spreads the cost of borrowing over the fixed period rather than showing the headline rate alone.