Updated September 28, 2026 · SumCue Editorial Team
AU Small Finance Bank vs LEND.ch
AU Small Finance Bank
Higher score in this comparison
LEND.ch
AU Small Finance Bank vs LEND.ch: the differences
| Compare | AU Small Finance BankReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | up to 30% | 4.3% to 9.96% |
| Loan amount | ₹25,000 to ₹1,500,000 | from CHF 10,000 |
| Term | 12 to 60 months | 12 to 84 monthsHigher |
| Arrangement fee | Up to 4% of approved loan amount, minimum INR 2,000 | 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) |
| Lender type | Direct lender | Marketplace |
| Free early repayment | No | YesHas it |
| Eligibility | Indian resident, 21 years minimum at application, 65 years maximum at loan maturity | 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 | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Credit check | Not confirmed | Hard |
| Funding time | Within 24 hours | Not confirmed |
| Representative example | Not confirmed | 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% |
| Rate type | Variable | Not confirmed |
| Origination fee (%) | up to 4% | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- AU Small Finance Bank scores higher overall: 9.3 vs 9.0.
- Founded is lower at AU Small Finance Bank: 1996 vs 2015.
- Free early repayment: only LEND.ch.
- Term is higher at LEND.ch: 12 to 84 months vs 12 to 60 months.
- Support channels: only AU Small Finance Bank offers Phone.
- Support channels: only LEND.ch offers Email, Chat.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
AU Small Finance Bank
AU Small Finance Bank pays a headline rate of 6.75% on a variable-rate savings account and suits savers who want easy access to their money with a tiny minimum deposit. Support runs on phone and help centre, and the rate sits well above the site median of 3%.
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 | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Cost | 9.5HigherBorrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000. | 9.3 |
| Offer | 9.2Beyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service. | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 9.2Higher | 8.3 |
Which one suits you
Pick AU Small Finance Bank if trust matter most.
Pick LEND.ch if offer, term, free early repayment, and loan types matter most.
How they place
| Ranking | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Loans | 87 of 2043 | 111 of 2043 |
| Personal loans | 73 of 1317 | 95 of 1317 |
| Mortgages | 7 of 853 | 10 of 853 |
Every fact side by side
| Fact | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | AU Small Finance Bank | Switzerlend AG (CHE-456.445.646) |
| Headquarters | India | Switzerland |
| Founded | 1996Lower | 2015 |
| Support channels | Phone, Help centre | Email, Chat, Help centre |
Credit cards
| Fact | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Card kind | Credit | Not confirmed |
Mortgages
| Fact | AU Small Finance Bank | LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, Home equity | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | AU Small Finance Bank | LEND.ch | Median |
|---|---|---|---|
| APR | up to 30%highest quarter | 4.3% to 9.96%lowest quarter | 9.99 |
| Term | 12 to 60 monthsat the median | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | up to 4%highest quarter | Not confirmed | 0 |
Median across 1096 listed providers.
Pros and cons
AU Small Finance Bank
Pros
- Headline rate of 6.75% on a variable basis, well above the site median of 3%.
- Minimum deposit of INR 0 on a easy access account, ranked 1 of 379 on that measure.
- Support on phone and help centre, plus a doorstep service for account holders.
Cons
- Free early repayment: no, so settling a loan early comes with a cost.
- Support runs on phone and help centre only.
- A personal loan carries an origination fee of Up to 4% of approved loan amount, minimum INR 2,000.
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
AU Small Finance Bank
Who it suits
- Savers in IN who want a variable rate with easy access and monthly interest payouts.
- Borrowers with good credit who want to deal with the bank as a direct lender.
- People who prefer doorstep service and unlimited online payments alongside a debit card.
Who should look elsewhere
- bunq, whose savings interest is 3.01%, if that rate is enough for you.
- Wise, which pays 3.29% on savings, if you are weighing 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%.
Country by country
| Country | AU Small Finance Bank | LEND.ch |
|---|---|---|
| India | Yes | No |
| Switzerland | No | Yes |
Questions about each
AU Small Finance Bank
What rate does AU Small Finance Bank pay on savings?+
The digital savings account pays a headline rate of 6.75% and the rate type is variable. Interest is credited every month, and the account is a easy access account, so your money stays reachable while it earns.
Is there a minimum deposit to open the account?+
The minimum deposit is INR 0, so the account can be opened without putting a large sum in. AU Small Finance Bank ranks 1 of 379 on this measure, which keeps it an easy account to start.
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.
Other options to compare
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