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LEND.ch review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Swiss residents with permanent employment who want to compare lender offers rather than a single lender.
APR
4.3% to 9.96%↗
Loan amount
from CHF 10,000↗
Term
12 to 84 months↗
Arrangement 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)↗
Credit check
Hard↗
Representative example
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
Marketplace↗
Free early repayment
Yes↗
Eligibility
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, Car, Student, Business, Secured, Bridging↗
Use cases
Home-improvement↗
Legal entity
Switzerlend AG (CHE-456.445.646)↗
Headquarters
Switzerland↗
Founded
2015↗
Support channels
Email, Chat, Help-centre↗
Official website
lend.ch

Mortgages

Purpose
Purchase, Equity-release, Home-equity↗

Facts checked September 26, 2026, 6 sources

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

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.
  • A hard credit check means the decision rests on a formal assessment rather than a self-declared figure.

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.
LEND.ch

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Scored 9.0 / 10 by SumCue.

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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%.

How LEND.ch compares

Where LEND.ch is available

Available
Switzerland
Licence in Switzerland
SRO Polyreg, checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

What does the arrangement fee look like?+

It is an origination fee that depends on your credit score, is charged across the whole loan term and is taken out of the payout before the money reaches you. The published example shows the shape: a small annual figure building up to a larger total over the term.

Can I repay early without penalty?+

Yes. Free early repayment is available, so you can clear the debt ahead of schedule without an exit charge. That makes a shorter term worth weighing against a longer one, especially since 79.4% of the loans on the site carry the same freedom.

What kinds of loan are available?+

The personal loan side covers personal, debt consolidation and car, with home improvement the listed use case. The mortgage side runs to purchase, equity release and home equity, so a reader planning property work and personal borrowing can start in one place rather than searching separately.

Who regulates LEND.ch?+

The platform sits under SRO Polyreg supervision in Switzerland, the regulator named for the Swiss market. The operating entity is Switzerlend AG (CHE-456.445.646), and LEND.ch matches borrowers with lenders as a marketplace, so the loan offered comes from a lending partner rather than from the platform itself.

How can I get help?+

Support runs on email, chat and help centre, so questions reach a person by email, by live chat or through the help centre. The company sits in CH and has been trading since 2015, and the help centre carries the fee and eligibility answers before you apply.

Sources

  • lend.ch/en checked September 26, 2026

    Backs: Founded, Legal entity, Licences

    “In 2015, we set out to shake up the credit world with technology, healthy incentives and novel structures.”

  • lend.ch/en/contact checked September 26, 2026

    Backs: Headquarters, Support channels

    “Switzerlend AG Muehlebachstrasse 38 8008 Zuerich”

  • lend.ch/en/faq/borrowers/important-points/which-fees-must... checked September 26, 2026

    Backs: Eligibility, Use cases

    “any private individual can apply for a loan via LEND, provided they are of legal age, reside in Switzerland, have an account with a Swiss bank, and have a regular income.”

  • lend.ch/en/loan-application checked September 26, 2026

    Backs: Loan amount, Credit check, Free early repayment, Lender type, Arrangement fee, Representative example

    “Individual loans from CHF 10'000. Terms between 12 and 84 months.”

  • lend.ch/en/mortgage checked September 26, 2026

    Backs: Purpose

    “Second mortgage - unlocking capital for owners using property as collateral ... Retirement mortgage - your property pension ... Bridge financing - from your old house to your new one”

  • lend.ch/en/personal-loan checked September 26, 2026

    Backs: APR, Loan types, Term

    “The effective interest rate is between 4.30% and 9.96% and is dependent on your credit score and selected loan term.”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Funding time.

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