Updated September 28, 2026 · SumCue Editorial Team
Alior vs LEND.ch
Alior
LEND.ch
Higher score in this comparison
What sets them apart
| Compare | AliorReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 9.15% | 4.3% to 9.96%Lower |
| Loan amount | PLN 500 to PLN 250,000 | from CHF 10,000 |
| Term | 3 to 120 monthsHigher | 12 to 84 months |
| Arrangement fee | 0% (0 PLN) | One-off origination fee, score-dependent, charged for the whole loan term and deducted from the payout (e.g. CHF 130 per year for 36 months, CHF 390 total on CHF 20,000) |
| Representative example | 41,800 PLN over 50 instalments of 985.55 PLN, RRSO 9.15%, 0 PLN fee | Personal loan CHF 20'000 over 36 months, score A+: annual fee CHF 130, total fee CHF 390, payout CHF 19'610; effective interest rate 4.30% to 9.96% |
| Lender type | Direct lender | Marketplace |
| Eligibility | Natural person aged 18 or over at application; resident or non-resident earning income in Poland | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Debt consolidation, Credit line | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Funding time | Funds transferred to the customer's account, possibly the same day | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.9.
- Founded is lower at Alior: 2008 vs 2015.
- Alior is available in 1 more country.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 9.15%.
- Term is higher at Alior: 3 to 120 months vs 12 to 84 months.
- Support channels: only Alior offers Phone.
- Support channels: only LEND.ch offers Email, Chat.
- Loan types: only Alior offers Credit line.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
Alior
Alior suits savers who want an easy-access account with no monthly charge and a variable rate of 4%, above where most listed accounts sit. Deposits are covered by the EU deposit guarantee, and the same group covers cards, loans, mortgages, investing and insurance.
LEND.ch
LEND.ch suits Swiss residents with a regular income and a Swiss bank account who want a marketplace offer rather than a single bank's product. Borrowing runs from from CHF 10,000 with terms of 12 to 84, and the platform is operated by Switzerlend AG (CHE-456.445.646) in Switzerland.
Score breakdown
| Area | Alior | LEND.ch |
|---|---|---|
| Cost | 9.1A PLN 0 monthly fee on savings, a 0% (0 PLN) loan arrangement fee and a 0% card conversion fee. | 9.3Higher |
| Offer | 8.8The offer spans savings, cards, loans, mortgages, investing and insurance, with trading platforms Alior Gielda, Notowania Online 3 and Alior 4 Trader. | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 8.8Higher | 8.3 |
Feature by feature
| Loan types | Alior | LEND.ch |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Car | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Bridging | No | Yes |
| Use cases | Alior | LEND.ch |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Alior | LEND.ch |
|---|---|---|
| Loans | 121 of 2043 | 111 of 2043 |
| Personal loans | 102 of 1317 | 95 of 1317 |
| Mortgages | 11 of 853 | 10 of 853 |
From lowest to highest
| Fact | Alior | LEND.ch |
|---|---|---|
| Term | 3 to 120 months | 12 to 84 months |
Pick Alior if, pick LEND.ch if
Pick Alior if trust and term matter most.
Pick LEND.ch if offer and apr matter most.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Alior
1,473.05
1,473.05
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
LEND.ch comes out 796.31 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Every fact side by side
| Fact | Alior | LEND.ch |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CREDIT AGRICOLE PAYMENT SERVICES | Switzerlend AG (CHE-456.445.646) |
| Headquarters | France | Switzerland |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Help centre | Email, Chat, Help centre |
Credit cards
| Fact | Alior | LEND.ch |
|---|---|---|
| Annual fee | PLN 80 | Not confirmed |
| Currency conversion fee | 0% | Not confirmed |
| Rewards type | Points | Not confirmed |
| Perks | Travel insurance, Concierge service, Airport lounge access | Not confirmed |
| Card kind | Credit | Not confirmed |
Personal insurance
| Fact | Alior | LEND.ch |
|---|---|---|
| Premium from | PLN 15,000 | Not confirmed |
| Insurance types | Auto, Home, Life, Travel, Income protection | Not confirmed |
| Provider type | Broker | Not confirmed |
| Cover limit | Sum insured guaranteed for the whole policy term (Bezpieczne Jutro); life cover for borrowers up to the amount of the loan granted | Not confirmed |
| Claims channels | Phone, Email, Help centre | Not confirmed |
| Age range | Children from birth to 26 years of age | Not confirmed |
Mortgages
| Fact | Alior | LEND.ch |
|---|---|---|
| Initial rate | 6.52% | Not confirmed |
| APRC | 6.52% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Maximum loan to value | 79.14% | Not confirmed |
| Product fee | PLN 0 | Not confirmed |
| Purpose | Purchase | Purchase, Equity release, Home equityCovers more |
Brokers
| Fact | Alior | LEND.ch |
|---|---|---|
| Markets | Stocks, ETFs, Forex, CFDs, Funds | Not confirmed |
| Platforms | Alior Gielda, Notowania Online 3, Alior 4 Trader | Not confirmed |
Where each stands against the rest
| Fact | Alior | LEND.ch | Median |
|---|---|---|---|
| APR | 9.15%below the median | 4.3% to 9.96%lowest quarter | 9.99% |
| Term | 3 to 120 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Alior
Pros
- Balances are covered by the EU deposit guarantee: EU DGS up to EUR 100,000
- The account kind is easy access, and interest is credited monthly to the balance, so withdrawals do not stop the rest of the money earning
- The card listed is a credit card on points rewards, with perks covering travel insurance, concierge service and airport lounge access
Cons
- The savings rate is variable, so the headline figure is not held for a set term
- Support runs on phone and help centre only
- Borrowing runs a hard credit check, so applications need a credit file that will pass it
LEND.ch
Pros
- Loans from from CHF 10,000 over terms of 12 to 84 cover a wide spread of personal needs.
- Pricing compares well with the 14.43% median across personal loans on the site.
- Borrowing covers personal, debt consolidation and car, and the mortgage side runs to purchase, equity release and home equity, so property and personal plans sit together.
Cons
- The arrangement fee is an origination fee, score-dependent and charged for the whole loan term, then deducted from the payout, so the amount received is lower than the amount borrowed.
- Support runs on email, chat and help centre only.
- Eligibility is narrow: a regular income and a Swiss bank account are required, with Swiss residents on permanent employment the named case.
Who each suits
Alior
Who it suits
- Savers in the EU who want easy access to their money and no monthly charge
- Households that want savings, cards, borrowing, mortgages, investing and insurance with the same provider
- Borrowers who are comfortable with a hard credit check and want funds transferred, possibly the same day
Who should look elsewhere
- Finteres, at 0% to 36%, if the top of that range matters more than reaching the money
- bunq, at 3.01%, if you would rather hold savings with a different brand on a lower headline rate
LEND.ch
Who it suits
- Swiss residents with permanent employment and a regular income who want to compare lender offers rather than a single product.
- Borrowers consolidating debt, financing a car, funding study costs or covering home improvement.
- Homeowners weighing purchase, equity release or home equity borrowing in the same place.
Who should look elsewhere
- Borrowers outside Switzerland who want another market and currency: Cashspace runs at PHP 12 to PHP 36.
- Readers who cannot meet the Swiss bank account rule and want euro amounts from from €12,000.
- Applicants with a weaker credit profile who accept a higher rate: Sofkredit runs at 10.74% to 18.06%.
Current offers
Alior
Current offer
Bonus
Promocja na nowe środki - Konto Oszczędnościowe Plus (4% w skali roku do 250 tys. zł przez 90 dni): 4% p.a. on new funds up to PLN 250,000 for 90 days, then standard 0.1% (NBP reference rate /2 minus 2 pp)
Promotion 25.09.2026 to 07.01.2027; reference day 24.09.2026; 90-day promotional period from the first deposit of new funds; new funds = balance above the total on deposit accounts with the same owners on the reference day; adults only; not combinable with other new-funds promotions on the same savings account; not applicable to Rachunek Oszczędnościowy (closed 31.01.2017) or Konto Oszczędnościowe Progres Adm (closed 19.04.2015); accounts must have been opened on or after 27.06.2025.
Source, checked September 26, 2026
Country by country
| Country | Alior | LEND.ch |
|---|---|---|
| France | Yes | No |
| Poland | Yes | No |
| Switzerland | No | Yes |
Questions about each
Alior
What rate does the Alior savings account pay?+
The account pays a variable headline rate of 4%, above the site median of 3% and above bunq at 3.01% and Wise at 3.29%. The rate type is variable, and 53.9% of the accounts listed pay a variable rate, so this is the standard structure here.
Is there a monthly fee on the account?+
The savings account runs on the no monthly fee model, so the monthly fee is listed as PLN 0 and nothing is charged for keeping the balance. Interest is credited monthly to the balance, so deposits and withdrawals carry on earning between credits.
LEND.ch
What rate do I pay on a LEND.ch personal loan?+
Effective interest rates run 4.3% to 9.96%, depending on your credit profile, so the strongest applicants pay the least. A hard credit check sits behind the application, and the score it returns is what drives the rate you are quoted and the fee you are charged.
How much can I borrow?+
Loans start at from CHF 10,000 and run over terms of 12 to 84. The origination fee is score-dependent and charged for the whole loan term, then deducted from the payout, so the money landing in your account is less than the amount borrowed.
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