Updated September 28, 2026 · BorrowCue Editorial Team
Moneyland.ch vs Super Finance Markets
Moneyland.ch vs Super Finance Markets: the differences
| Compare |  Moneyland.ch |  Super Finance Markets |
|---|---|---|
| APR | 4% to 12% | 0.6% to 0.85%Lower |
| Loan amount | CHF 40,000 to CHF 250,000 | A$100,000 to A$3,000,000 |
| Term | 60 to 120 monthsHigher | 3 to 24 months |
| Arrangement fee | 0 CHF | 0 AUD (no application fee) |
| Credit check | Soft prequal | None |
| Funding time | About three weeks from submitting the application to final payout | Approval in 48 hours, funds disbursed in 10 business days |
| Lender type | Broker | Direct lender |
| Loan types | Personal, Debt consolidation | Business, Secured |
| Credit needed | Fair | Poor |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Yes | Not confirmed |
| 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 | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Moneyland.ch scores higher overall: 9.1 vs 9.0.
- Founded is lower at Moneyland.ch: 2013 vs 2018.
- Moneyland.ch is available in 1 more country.
- APR is lower at Super Finance Markets: 0.6% to 0.85% vs 4% to 12%.
- Term is higher at Moneyland.ch: 60 to 120 months vs 3 to 24 months.
- Support channels: only Moneyland.ch offers Community.
- Support channels: only Super Finance Markets offers Chat.
- Loan types: only Moneyland.ch offers Personal, Debt consolidation.
- Loan types: only Super Finance Markets offers Business, 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.
Super Finance Markets
Super Finance Markets suits Australian borrowers who need secured or business lending and can manage a short term at a high stated cost of borrowing. It charges no application fee, but the rate of 0.6% to 0.85% means the repayment must be planned carefully, and any surplus on the deal is the borrower's own risk.
Score breakdown
| Area | Moneyland.ch | Super Finance Markets |
|---|---|---|
| Cost | 9.4 | 9.7HigherAnnual cost of borrowing runs 0.6% to 0.85% with an application fee of 0 AUD (no application fee). |
| 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. | 8.5Purpose covers purchase, remortgage and equity release on fixed rates, with a term of 3 to 24 and no credit check. |
| Trust | 8.4 | 8.6Higher |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 4% to 12% for Moneyland.ch and 0.6% to 0.85% for Super Finance Markets.
Prestamiau ES reviewSources behind this comparison
Moneyland.ch
- moneyland.ch: 16 facts, checked September 26, 2026
Super Finance Markets
- supercredit.com.au: 15 facts, checked September 26, 2026
How they place
| Ranking | Moneyland.ch | Super Finance Markets |
|---|---|---|
| Loans for bad credit | 120 of 275 | 157 of 275 |
| Mortgages | 194 of 719 | 268 of 719 |
| Remortgage deals | 140 of 351 | 194 of 351 |
| Equity release | 8 of 32 | 15 of 32 |
Every fact side by side
| Fact | Moneyland.ch | Super Finance Markets |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Legal entity | moneyland.ch AG | Super Finance Markets Pty Ltd |
| Headquarters | Switzerland | Australia |
| Founded | 2013Lower | 2018 |
| Support channels | Email, Phone, Community | Email, Chat, Phone |
Mortgages
| Fact | Moneyland.ch | Super Finance Markets |
|---|---|---|
| Initial rate | Not confirmed | 0.6% |
| Fixed period | 1 to 20 yearsHigher | 0.25 to 2 years |
| Maximum loan to value | 66% to 90%Higher | 75% |
| Product fee | CHF 0 | A$0 |
| Purpose | Purchase, Remortgage, First time buyer, Buy to let, Equity release | Purchase, Remortgage, Equity release, Home equity |
Where each stands against the rest
| Fact | Moneyland.ch | Super Finance Markets | Median |
|---|---|---|---|
| APR | 4% to 12%lowest quarter | 0.6% to 0.85%lowest quarter | 8.99 |
| Term | 60 to 120 monthshighest quarter | 3 to 24 monthslowest 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.
Super Finance Markets
Pros
- No application fee at all, recorded as 0 AUD (no application fee)
- No credit check, and the lender caters to applicants with poor credit
- Fixed rates held for 0.25 to 2 keep the repayment predictable
Cons
- A cost of borrowing of 0.6% to 0.85% is high, so the monthly repayment needs checking against budget
- The term of 3 to 24 is short for a home loan
- The maximum loan to value of 75% sits below the 90% typical of the wider mortgage market
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.
Super Finance Markets
Who it suits
- Borrowers in Australia whose credit file is in poor shape
- Businesses needing a short fixed term loan
- Anyone covering 75% with equity who wants no application fee
Who should look elsewhere
- First time buyers, since the term runs 3 to 24
- Long term borrowers put off by the rate of 0.6% to 0.85%
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 | Super Finance Markets |
|---|---|---|
| Australia | 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.
Super Finance Markets
What rate does Super Finance Markets charge?+
The cost of borrowing is 0.6% to 0.85%, and the initial rate is 0.6%. The 0.6% to 0.85% figure is the one to plan around, since it reflects the full cost of the credit rather than a headline offer. Payments sit on a fixed rate for 0.25 to 2.
Are there any fees to open the loan?+
The application fee is 0 AUD (no application fee), so nothing is charged for taking an application forward. There is also a product fee recorded on the same terms, which keeps the upfront cost minimal. The ongoing cost of borrowing of 0.6% to 0.85% is the part that shapes the repayment.