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Updated September 28, 2026 · SumCue Editorial Team

AU Small Finance Bank vs Lendela

AU Small Finance Bank scores 9.3 and Lendela 8.5 out of 10. Compare their differences and shared features below.
AU Small Finance Bank

AU Small Finance Bank

Higher score in this comparison

9.3/10
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Lendela

Lendela

8.5/10
Visit

Where AU Small Finance Bank and Lendela differ

AU Small Finance Bank vs Lendela
CompareAU Small Finance BankAU Small Finance BankReviewVisitVisitLendelaLendelaReviewVisitVisit
APRup to 30%up to 48%
Loan amount₹25,000 to ₹1,500,000SGD 1,000 to SGD 200,000
Term12 to 60 months3 to 72 monthsHigher
Arrangement feeUp to 4% of approved loan amount, minimum INR 2,000SGD 0
Funding timeWithin 24 hoursAround 1-2 days from application to disbursement; some within hours
Lender typeDirect lenderMarketplace
EligibilityIndian resident, 21 years minimum at application, 65 years maximum at loan maturityAge 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR
Loan typesPersonal, Debt consolidationPersonal, Debt consolidation, Business, Secured, StudentCovers more
Credit neededGoodFair
Credit checkNot confirmedNone
Representative exampleNot confirmedPersonal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449
Rate typeVariableNot confirmed
Free early repaymentNoNot confirmed
Origination fee (%)up to 4%Not confirmed
Use casesNot confirmedHome 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. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • AU Small Finance Bank scores higher overall: 9.3 vs 8.5.
  • Founded is lower at AU Small Finance Bank: 1996 vs 2018.
  • Lendela is available in 1 more country.
  • Term is higher at Lendela: 3 to 72 months vs 12 to 60 months.
  • Support channels: only Lendela offers Email.
  • Features: only Lendela offers Credit line.
  • Loan types: only Lendela offers Business, Secured, Student.

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%.

Read the full AU Small Finance Bank review

Lendela

Lendela suits Singapore citizens and permanent residents who want a personal loan with no credit check and an origination fee of SGD 0. Borrowing covers SGD 1,000 to SGD 200,000 over terms of 3 to 72, and rates can reach up to 48%, the number to weigh before you apply.

Read the full Lendela review

Score breakdown

AU Small Finance Bank vs Lendela
AreaAU Small Finance BankLendela
Cost9.5Borrowing runs to an APR of up to 30%, and a personal loan adds Up to 4% of approved loan amount, minimum INR 2,000.Not confirmed
Offer9.2HigherBeyond the rate, the offer includes a easy access account, monthly interest payouts, unlimited online payments and a doorstep service.9.0marketplace lending, fair credit record and none credit check, so offers come with light entry conditions.
Trust9.2Higher8.2

How they place

AU Small Finance Bank vs Lendela
RankingAU Small Finance BankLendela
Loans87 of 204379 of 2043
Personal loans73 of 131766 of 1317
Mortgages7 of 8536 of 853

Also worth a look

Sofkredit has term at 6 to 240 months, against 12 to 60 months for AU Small Finance Bank and 3 to 72 months for Lendela.

Sofkredit review

Every fact side by side

AU Small Finance Bank vs Lendela
FactAU Small Finance BankLendela
Pricing modelFixed rateNot confirmed
FeaturesSame day fundingSame day funding, Credit lineCovers more
Legal entityAU Small Finance BankLendela Pte. Ltd.
HeadquartersIndiaSingapore
Founded1996Lower2018
Support channelsPhone, Help centreEmail, Phone, Help centreCovers more

Credit cards

AU Small Finance Bank vs Lendela
FactAU Small Finance BankLendela
Card kindCreditNot confirmed

Mortgages

AU Small Finance Bank vs Lendela
FactAU Small Finance BankLendela
Initial rateNot confirmed2.4%
Product feeNot confirmedSGD 0
PurposePurchase, Remortgage, Home equityCovers morePurchase, Remortgage

Where each stands against the rest

AU Small Finance Bank vs Lendela
FactAU Small Finance BankLendelaMedian
APRup to 30%highest quarterup to 48%highest quarter9.99
Term12 to 60 monthsat the median3 to 72 monthsabove the median60
Origination fee (%)up to 4%highest quarterNot confirmed0

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.

Lendela

Pros

  • An origination fee of SGD 0 on personal loans, so no charge for setting the loan up.
  • Purpose covers personal, debt consolidation and business, and home improvement is a stated use.
  • Money often moves quickly: a few days from application to disbursement, and some within hours.

Cons

  • The rate ceiling is up to 48%, well above where most borrowers start.
  • Support runs on email, phone and help centre only.
  • Applicants need a minimum age, Singapore citizenship or permanent residency, and a minimum annual income, with foreign applicants held to a higher income bar.

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.

Lendela

Who it suits

  • Singapore citizens and permanent residents with a fair credit record who want to borrow without a credit check.
  • People consolidating debt or planning home improvement, both common reasons to borrow here.
  • Borrowers who prefer a marketplace where lender quotes sit side by side.

Who should look elsewhere

  • Borrowers chasing the lowest rates, who will find Cashspace quoting PHP 12 to PHP 36.
  • Euro borrowers, since Creduma ES lists from €12,000 and Lendela works in Singapore dollars.
  • Anyone wanting a rate band with room at both ends, since Sofkredit quotes 10.74% to 18.06% against the capped up to 48% here.

Country by country

AU Small Finance Bank vs Lendela
CountryAU Small Finance BankLendela
Hong KongNoYes
IndiaYesNo
SingaporeNoYes

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.

Lendela

How much can I borrow, and for how long?+

Lendela covers SGD 1,000 to SGD 200,000, with terms of 3 to 72. Features listed include same day funding and credit line, so a credit line is an option for anyone who would rather draw money down gradually than take the full amount at the start.

What rate will I pay?+

Rates at Lendela run as high as up to 48%, well above the 15.5% median for this category. The published representative example is much kinder, pairing a modest rate with a multi-year term, so treat the ceiling as the worst case rather than the expected outcome.

Other options to compare

AU Small Finance Bank

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Lendela

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