Updated September 28, 2026 · SumCue Editorial Team
Borrowell vs LEND.ch
Borrowell
LEND.ch
Higher score in this comparison
Where Borrowell and LEND.ch differ
| Compare | BorrowellReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 0%Lower | 4.3% to 9.96% |
| Loan amount | CA$500 to CA$50,000 | from CHF 10,000 |
| Term | 48 months | 12 to 84 monthsHigher |
| Credit check | Soft prequal | Hard |
| Eligibility | Canadian citizen or permanent resident, age of majority in province of residence; loan applicants 18+ | 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, Business, Car | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Arrangement fee | Not confirmed | 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) |
| Funding time | Usually within a matter of days of approval by loan partners | 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% |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Marketplace), Free early repayment (Yes), 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. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- LEND.ch scores higher overall: 9.0 vs 8.9.
- Founded is lower at Borrowell: 2014 vs 2015.
- APR is lower at Borrowell: 0% vs 4.3% to 9.96%.
- Term is higher at LEND.ch: 12 to 84 months vs 48 months.
- Support channels: only LEND.ch offers Chat.
- Loan types: only LEND.ch offers Student, Secured, Bridging.
Our verdict on each
Borrowell
Borrowell suits Canadians who want a single place to compare personal loan offers, check a credit score without a fee and rebuild a thin credit file. Loan sizes run CAD 500 to CAD 50,000 through a marketplace, and the credit builder term is 48 at an APR of 0%.
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 | Borrowell | LEND.ch |
|---|---|---|
| Cost | 9.5HigherAn annual fee of CAD 0 on the score service and a credit builder APR of 0% mean the cost side is light. | 9.3 |
| Offer | 9.1A marketplace matching personal, debt consolidation and business and a stated credit profile target of poor widen the choice. | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 8.4Higher | 8.3 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% for Borrowell and 4.3% to 9.96% for LEND.ch.
FINANZCHECK.de reviewWhere these facts come from
Borrowell
- borrowell.com: 16 facts, checked September 26, 2026
LEND.ch
- lend.ch: 15 facts, checked September 26, 2026
How they place
| Ranking | Borrowell | LEND.ch |
|---|---|---|
| Loans | 122 of 2043 | 111 of 2043 |
| Personal loans | 103 of 1317 | 95 of 1317 |
| Mortgages | 12 of 853 | 10 of 853 |
Every fact side by side
| Fact | Borrowell | LEND.ch |
|---|---|---|
| Pricing model | No annual fee | Not confirmed |
| Legal entity | Borrowell Inc. | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Canada | Switzerland |
| Founded | 2014Lower | 2015 |
| Support channels | Email, Help centre | Email, Chat, Help centreCovers more |
Credit cards
| Fact | Borrowell | LEND.ch |
|---|---|---|
| Annual fee | CA$0 | Not confirmed |
| Perks | Free weekly Equifax credit score and report monitoring, Free credit report download, Credit score checks that do not hurt your score, Free credit improvement tips and education, Personalized product recommendations from 75+ partners, Bank level 256 bit encryption security | Not confirmed |
Mortgages
| Fact | Borrowell | LEND.ch |
|---|---|---|
| Purpose | Purchase, Remortgage, First time buyer | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Borrowell | LEND.ch | Median |
|---|---|---|---|
| APR | 0%lowest quarter | 4.3% to 9.96%lowest quarter | 9.99% |
| Term | 48 monthsbelow the median | 12 to 84 monthsabove the median | 60 months |
Median across 1096 listed providers.
Pros and cons
Borrowell
Pros
- Free weekly Equifax score and report monitoring, a free credit report download and score checks that do not hurt a file, all in Free weekly Equifax credit score and report monitoring, Free credit report download and Credit score checks that do not hurt your score.
- A spread of personal, debt consolidation, business and car loans (personal, debt consolidation and business) with amounts of CAD 500 to CAD 50,000.
- Free early repayment on credit builder loans, so a thin credit file can be cleared sooner without paying an extra charge.
Cons
- Support runs on email and help centre only, so there is no phone line to chase a partner lender.
- Borrowell is a marketplace (marketplace), so the rate and the approval belong to the partner lender.
- Funding lands Usually within a matter of days of approval by loan partners, so it is not a same day fix for an urgent bill or an emergency repair.
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
Borrowell
Who it suits
- Canadians with a thin credit file, since the stated credit profile target is poor.
- People borrowing for home improvement work or to consolidate debt, at amounts of CAD 500 to CAD 50,000.
- Applicants who are a Canadian citizen or permanent resident and meet the age of majority in their province.
Who should look elsewhere
- Not Cashspace: its rates of PHP 12 to PHP 36 are set in Philippine pesos for another market, so it does not serve a Canadian borrower.
- Not Creduma ES for anyone who wants to borrow in euros, since its amounts start at from €12,000.
- Not Sofkredit, whose rates of 10.74% to 18.06% belong to a Spanish market and currency.
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
Borrowell
Current offer
Bonus
Credit Builder cash back rewards on select Marketplace products
Credit Builder account in good standing with first payment made; eligible third-party product successfully acquired; valid email on file; minimum redeemable balance $20; rewards paid in CAD
Source, checked September 26, 2026
Country by country
| Country | Borrowell | LEND.ch |
|---|---|---|
| Canada | Yes | No |
| Switzerland | No | Yes |
Questions about each
Borrowell
Is there an annual fee for the Borrowell credit score service?+
The credit score service carries an annual fee of CAD 0, and the model is no annual fee. Weekly Equifax score and report monitoring, a report download and credit improvement tips all sit in Free weekly Equifax credit score and report monitoring, Free credit report download and Credit score checks that do not hurt your score.
Who actually lends the money?+
Borrowell works as a marketplace (marketplace) run by Borrowell Inc. in Canada. Approval and funding sit with the loan partners, and money usually arrives Usually within a matter of days of approval by loan partners rather than the same day an application goes in.
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.