Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs LEND.ch
CHECK24
Higher score in this comparison
LEND.ch
What sets them apart
| Compare | CHECK24ReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 0.68% to 19.92%Lower | 4.3% to 9.96% |
| Loan amount | €500 to €150,000 | from CHF 10,000 |
| Term | 12 to 240 monthsHigher | 12 to 84 months |
| Arrangement fee | 0 EUR | 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) |
| Credit check | Soft prequal | Hard |
| Representative example | Ratenkredit: net loan amount 20,000 EUR, 7 years (84 months), 5.39% effective annual rate, 5.26% fixed nominal rate p.a., monthly instalment 285.14 EUR, total amount 23,951.75 EUR, Openbank Deutschland AG (BestCredit) | 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 | Broker | Marketplace |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more |
| Funding time | as little as 3 minutes at some banks, same day | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Eligibility | Not confirmed | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
Same on both: Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- CHECK24 scores higher overall: 9.3 vs 9.0.
- Founded is lower at CHECK24: 1999 vs 2015.
- CHECK24 is available in 2 more countries.
- APR is lower at CHECK24: 0.68% to 19.92% vs 4.3% to 9.96%.
- Term is higher at CHECK24: 12 to 240 months vs 12 to 84 months.
- Support channels: only CHECK24 offers Phone.
- Loan types: only LEND.ch offers Car, Student, Business.
Our verdict on each
CHECK24
CHECK24 suits German households who want one place to shop across savings, loans, mortgages and many insurance types, and who are happy to be matched to a partner rather than served directly. Its easy-access savings pays a headline rate of 3.82% with no notice period and free early repayment.
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 | CHECK24 | LEND.ch |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | 9.3 |
| Offer | 9.6Higher | 9.5Effective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 8.6Higher | 8.3 |
Choosing between them
Pick CHECK24 if cost, trust, apr, and term matter most.
Pick LEND.ch if loan types matter most.
Availability and regulation
| Country | CHECK24 | LEND.ch |
|---|---|---|
| Germany | IHK Frankfurt am Main D-UC2S-PFVJD-82 IHK fuer Muenchen und Oberbayern D-FPD7-IQZPB-00 Handelskammer Hamburg D-I6KJ-85T6H-31 | Not confirmed |
| Switzerland | Not confirmed |
Additional countries for CHECK24: 3. Additional countries for LEND.ch: 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 0.68% to 19.92% for CHECK24 and 4.3% to 9.96% for LEND.ch.
Prestamiau ES reviewHow they place
| Ranking | CHECK24 | LEND.ch |
|---|---|---|
| Loans | 88 of 2043 | 111 of 2043 |
| Personal loans | 74 of 1317 | 95 of 1317 |
| Mortgages | 8 of 853 | 10 of 853 |
Every fact side by side
| Fact | CHECK24 | LEND.ch |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | CHECK24 Vergleichsportal GmbH | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Germany | Switzerland |
| Founded | 1999Lower | 2015 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Chat, Help centre |
Savings
| Fact | CHECK24 | LEND.ch |
|---|---|---|
| Headline rate | 3.82% | Not confirmed |
| Minimum deposit | €0 | Not confirmed |
| Access terms | Daily-access savings (Tagesgeld), no notice period, cancel at any time | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Easy access | Not confirmed |
Mortgages
| Fact | CHECK24 | LEND.ch |
|---|---|---|
| Initial rate | 3.43% | Not confirmed |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | CHECK24 | LEND.ch | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | 4.3% to 9.96%lowest quarter | 9.99 |
| Term | 12 to 240 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
Median across 1096 listed providers.
Pros and cons
CHECK24
Pros
- Broker model: broker means loan, mortgage and policy terms come from partner banks and insurers rather than from a single provider
- Daily-access savings with no notice period, cancellable at any time, at a headline rate of 3.82%
- A single catalogue covering auto, home and life, so most household policies can be compared in one place
Cons
- A comparison site rather than an insurer or lender: comparison site means the terms and the protections depend on the partner matched to you
- The median easy-access rate across the site is 3%, under the CHECK24 headline rate of 3.82%, so cheaper listings exist
- The listed credit check is soft prequal, which leaves any hard search to the partner bank once an offer is accepted
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
CHECK24
Who it suits
- German households holding several policy types who want one place to compare them all
- Anyone parking cash in easy-access savings while keeping it reachable at any time
- Borrowers who want a soft prequalification before a bank runs a full credit check
Who should look elsewhere
- Anyone who wants a direct provider with its own terms, where bunq lends in its own name rather than matching you to partner banks
- People who want life cover written and settled by a single insurer, where Linxea issues directly at a premium from €25
- Readers outside Germany who want a portal registered in their own market, where bunq Spain answers to Spanish registration rather than the German chamber licences held by CHECK24
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 | CHECK24 | LEND.ch |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | Yes | No |
| Switzerland | No | Yes |
Questions about each
CHECK24
Is CHECK24 a bank or an insurer?+
No. CHECK24 is a comparison site (comparison site) that sends requests out to partner banks and insurers, and the listed lender type is a broker. The loan or policy you end up holding is issued by the partner rather than by CHECK24, so the price, the terms and the protection all come from that partner.
How much does it cost to use CHECK24?+
There is no origination fee, listed at 0 EUR, and the daily-access savings account carries a monthly fee of €0. The savings headline rate is 3.82% and the minimum deposit is €0, so there is no balance hurdle before you start earning.
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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