Updated September 28, 2026 · SumCue Editorial Team
CHECK24 vs Lendela
CHECK24
Higher score in this comparison
Lendela
What sets them apart
| Compare | CHECK24ReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| APR | 0.68% to 19.92% | up to 48% |
| Loan amount | €500 to €150,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 240 monthsHigher | 3 to 72 months |
| Arrangement fee | 0 EUR | SGD 0 |
| Credit check | Soft prequal | None |
| Funding time | as little as 3 minutes at some banks, same day | Around 1-2 days from application to disbursement; some within hours |
| 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: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Broker | Marketplace |
| Loan types | Personal, Debt consolidation | Personal, Debt consolidation, Business, Secured, StudentCovers more |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Not confirmed | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Credit needed | Not confirmed | Fair |
Same on both: Use cases (Home improvement).
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Key differences
- CHECK24 scores higher overall: 9.3 vs 8.5.
- Founded is lower at CHECK24: 1999 vs 2018.
- CHECK24 is available in 1 more country.
- Term is higher at CHECK24: 12 to 240 months vs 3 to 72 months.
- Support channels: only CHECK24 offers Chat.
- Features: only Lendela offers Credit line.
- Loan types: only Lendela offers Business, Secured, Student.
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.
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.
Score breakdown
| Area | CHECK24 | Lendela |
|---|---|---|
| Cost | 9.8Origination fee of 0 EUR, a monthly fee of €0 on the savings account and a minimum deposit of €0. | Not confirmed |
| Offer | 9.6Higher | 9.0marketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 8.6Higher | 8.2 |
Side by side, item by item
| Loan types | CHECK24 | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
| Use cases | CHECK24 | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | CHECK24 | Lendela |
|---|---|---|
| Loans | 88 of 2043 | 79 of 2043 |
| Personal loans | 74 of 1317 | 66 of 1317 |
| Mortgages | 8 of 853 | 6 of 853 |
Licences and countries
| Country | CHECK24 | Lendela |
|---|---|---|
| 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 |
Additional countries for CHECK24: 3. Additional countries for Lendela: 2.
Sources behind this comparison
CHECK24
- kredit.check24.de: 10 facts, checked September 26, 2026
- check24.de: 8 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | CHECK24 | Lendela |
|---|---|---|
| Pricing model | Monthly | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | CHECK24 Vergleichsportal GmbH | Lendela Pte. Ltd. |
| Headquarters | Germany | Singapore |
| Founded | 1999Lower | 2018 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Email, Phone, Help centre |
Savings
| Fact | CHECK24 | Lendela |
|---|---|---|
| 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 | Lendela |
|---|---|---|
| Initial rate | 3.43% | 2.4%Lower |
| APRC | 3.5% | Not confirmed |
| Fixed period | 10 years | Not confirmed |
| Maximum loan to value | 66% | Not confirmed |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Remortgage | Purchase, Remortgage |
Where each stands against the rest
| Fact | CHECK24 | Lendela | Median |
|---|---|---|---|
| APR | 0.68% to 19.92%lowest quarter | up to 48%highest quarter | 9.99 |
| Term | 12 to 240 monthshighest quarter | 3 to 72 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
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
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
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
| Country | CHECK24 | Lendela |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Spain | Yes | No |
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.
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.
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