Updated September 28, 2026 · SumCue Editorial Team
Creditilia ES vs LEND.ch
Creditilia ES
LEND.ch
Higher score in this comparison
What sets them apart
| Compare | Creditilia ESReviewVisitVisit | LEND.chReviewVisitVisit |
|---|---|---|
| APR | 4% to 289%Lower | 4.3% to 9.96% |
| Loan amount | €500 to €50,000 | from CHF 10,000 |
| Term | 3 to 96 monthsHigher | 12 to 84 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 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) |
| Representative example | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | 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% |
| Eligibility | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) |
| Loan types | Personal, Payday, Debt consolidation, Business, Guarantor, Car | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 minutes | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Lender type (Marketplace), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 4.3% to 9.96%.
- Term is higher at Creditilia ES: 3 to 96 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat, Help centre.
- Loan types: only Creditilia ES offers Payday, Guarantor.
- Loan types: only LEND.ch offers Student, Secured, Bridging.
Our verdict on each
Creditilia ES
Creditilia ES suits Spanish adults who want a fixed rate loan sized to €500 to €50,000 and terms of 3 to 96, with home improvement as the stated use. The trade off is the credit check, hard, and contact that runs on email only, so every question and complaint travels in writing.
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 | Creditilia ES | LEND.ch |
|---|---|---|
| Cost | 9.4HigherFees are EUR 0 - no opening, study or early repayment fee and €0; cost sits in the rate spread of 4% to 289%. | 9.3 |
| Offer | 8.6 | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. |
| Trust | 8.1 | 8.3Higher |
From lowest to highest
| Fact | Creditilia ES | LEND.ch |
|---|---|---|
| APR | 4% to 289% | 4.3% to 9.96% |
| Term | 3 to 96 months | 12 to 84 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 96 months for Creditilia ES and 12 to 84 months for LEND.ch.
Sofkredit reviewHow they place
| Ranking | Creditilia ES | LEND.ch |
|---|---|---|
| Loans | 55 of 2043 | 111 of 2043 |
| Personal loans | 45 of 1317 | 95 of 1317 |
| Mortgages | 4 of 853 | 10 of 853 |
Every fact side by side
| Fact | Creditilia ES | LEND.ch |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | Switzerlend AG (CHE-456.445.646) |
| Headquarters | Spain | Switzerland |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Chat, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | LEND.ch |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Purchase, Equity release, Home equity |
Where each stands against the rest
| Fact | Creditilia ES | LEND.ch | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 4.3% to 9.96%lowest quarter | 9.99 |
| Term | 3 to 96 monthshighest quarter | 12 to 84 monthsabove the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Creditilia ES
Pros
- Free early repayment, a feature shared by 79.2% of the borrowing providers listed.
- No opening, study or early repayment fee on a personal loan, with EUR 0 - no opening, study or early repayment fee.
- Fixed rate lending, so the instalment stays put for the life of the loan on fixed rate products.
Cons
- Rates run 4% to 289%, so the cheap end and the dear end of the market sit on the same page and the headline you meet first is rarely the one you are offered.
- Support runs on email only, so a payment problem is handled in writing with no one to call.
- The check is hard and the credit needed is poor, so the route is aimed at files that need help rather than at the strongest ones.
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
Creditilia ES
Who it suits
- Adults in Spain with a DNI or NIE, or a passport, who mainly need money for home improvement.
- Borrowers with a poor credit history who accept a hard check in return for offers across €500 to €50,000.
- Spanish borrowers planning a purchase or a remortgage, both covered by purchase and remortgage.
Who should look elsewhere
- Anyone chasing the lowest cost, since Sofkredit quotes rates of 10.74% to 18.06% while the 4% to 289% spread here runs much wider.
- Borrowers who want a phone line as well as written contact, since support runs on email only.
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 | Creditilia ES | LEND.ch |
|---|---|---|
| Spain | Yes | No |
| Switzerland | No | Yes |
Questions about each
Creditilia ES
What fees does Creditilia ES charge on a personal loan?+
A personal loan carries EUR 0 - no opening, study or early repayment fee, so nothing is taken for setting the loan up, for studying it or for clearing it early. The cost sits in the rate instead, and personal loan rates run 4% to 289%. The representative example shows the shape: a fixed rate, a monthly instalment and a larger total repaid across the term.
How much can I borrow, and for how long?+
Loan sizes are €500 to €50,000, and the term runs 3 to 96. That spread covers a small urgent bill and a larger planned cost inside the same product, and the shorter end of the term keeps the commitment light. With same day funding advertised, a quick need is the clearest fit for this route.
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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