Updated September 28, 2026 · SumCue Editorial Team
LEND.ch vs Lendela
LEND.ch
Higher score in this comparison
Lendela
LEND.ch vs Lendela: the differences
| Compare | LEND.chReviewVisitVisit | LendelaReviewVisitVisit |
|---|---|---|
| APR | 4.3% to 9.96% | up to 48% |
| Loan amount | from CHF 10,000 | SGD 1,000 to SGD 200,000 |
| Term | 12 to 84 monthsHigher | 3 to 72 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) | SGD 0 |
| Credit check | Hard | None |
| 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% | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Personal, Debt consolidation, Business, Secured, Student |
| Funding time | Not confirmed | Around 1-2 days from application to disbursement; some within hours |
| Free early repayment | Yes | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Lender type (Marketplace), 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 8.5.
- Founded is lower at LEND.ch: 2015 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at LEND.ch: 12 to 84 months vs 3 to 72 months.
- Support channels: only LEND.ch offers Chat.
- Support channels: only Lendela offers Phone.
- Loan types: only LEND.ch offers Car, Bridging.
Our verdict on each
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.
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 | LEND.ch | Lendela |
|---|---|---|
| Cost | 9.3 | Not confirmed |
| Offer | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. | 9.0marketplace lending, fair credit record and none credit check, so offers come with light entry conditions. |
| Trust | 8.3Higher | 8.2 |
Where they rank in our lists
| Ranking | LEND.ch | Lendela |
|---|---|---|
| Loans | 111 of 2043 | 79 of 2043 |
| Personal loans | 95 of 1317 | 66 of 1317 |
| Mortgages | 10 of 853 | 6 of 853 |
What each covers
| Loan types | LEND.ch | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | Yes | Yes |
| Bridging | Yes | No |
| Use cases | LEND.ch | Lendela |
|---|---|---|
| Home improvement | Yes | Yes |
Sources behind this comparison
LEND.ch
- lend.ch: 15 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 | LEND.ch | Lendela |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Lendela Pte. Ltd. |
| Headquarters | Switzerland | Singapore |
| Founded | 2015Lower | 2018 |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | LEND.ch | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | LEND.ch | Lendela | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | up to 48%highest quarter | 9.99 |
| Term | 12 to 84 monthsabove the median | 3 to 72 monthsabove the median | 60 |
Median across 1096 listed providers.
Pros and cons
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.
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
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%.
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 | LEND.ch | Lendela |
|---|---|---|
| Hong Kong | No | Yes |
| Singapore | No | Yes |
| Switzerland | Yes | No |
Questions about each
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.
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.