Updated September 28, 2026 · SumCue Editorial Team
LEND.ch vs Prestalo
LEND.ch
Higher score in this comparison
Prestalo
LEND.ch vs Prestalo: the differences
| Compare | LEND.chReviewVisitVisit | PrestaloReviewVisitVisit |
|---|---|---|
| APR | 4.3% to 9.96% | 4.1% to 30%Lower |
| Loan amount | from CHF 10,000 | €500 to €100,000 |
| Term | 12 to 84 months | 1 to 120 monthsHigher |
| 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) | 0 EUR |
| 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% | EUR 5,000 loan repaid over 60 months, fixed annual interest 6.11%, TAE 6.28%, monthly payment 96.62 EUR, no opening or early-repayment fee, total repayable 5,815.20 EUR |
| Lender type | Marketplace | Broker |
| Eligibility | Of legal age, resident in Switzerland, holder of a Swiss bank account, with a regular income (Swiss residents with permanent employment) | 18 or over, resident in Spain, valid DNI or NIE, stable sufficient income |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, Bridging | Personal, Payday, Car, Debt consolidation, Secured |
| Funding time | Not confirmed | Money transferred to your bank account, normally within 24 to 48 hours |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Free early repayment (Yes), Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.9.
- Founded is lower at LEND.ch: 2015 vs 2018.
- APR is lower at Prestalo: 4.1% to 30% vs 4.3% to 9.96%.
- Term is higher at Prestalo: 1 to 120 months vs 12 to 84 months.
- Support channels: only Prestalo offers Phone.
- Loan types: only LEND.ch offers Student, Business, Bridging.
- Loan types: only Prestalo offers Payday.
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.
Prestalo
Prestalo suits Spanish residents who want a fee-free personal loan fixed at fixed rates, with money in the bank account normally within a day or two. It suits a single market only, since eligibility is limited to Spain and a hard credit check applies.
Score breakdown
| Area | LEND.ch | Prestalo |
|---|---|---|
| Cost | 9.3 | 9.3 |
| Offer | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. | 9.1Fees are 0 EUR on personal loans and €0 on the mortgage, with early repayment free. |
| Trust | 8.3 | 8.4Higher |
How they place
| Ranking | LEND.ch | Prestalo |
|---|---|---|
| Loans | 111 of 2043 | 66 of 2043 |
| Personal loans | 95 of 1317 | 55 of 1317 |
| Mortgages | 10 of 853 | 5 of 853 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
LEND.ch
676.74 to 1,609.43
676.74 to 1,609.43
Prestalo
644.66 to 5,282.57
644.66 to 5,282.57
Prestalo comes out 32.08 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Loan types | LEND.ch | Prestalo |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | Yes |
| Business | Yes | No |
| Student | Yes | No |
| Bridging | Yes | No |
| Use cases | LEND.ch | Prestalo |
|---|---|---|
| Home improvement | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 12 to 84 months for LEND.ch and 1 to 120 months for Prestalo.
Sofkredit reviewEvery fact side by side
| Fact | LEND.ch | Prestalo |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | PRESTALO ONLINE, S.L. |
| Headquarters | Switzerland | Spain |
| Founded | 2015Lower | 2018 |
| Support channels | Email, Chat, Help centre | Email, Chat, Phone, Help centreCovers more |
Mortgages
| Fact | LEND.ch | Prestalo |
|---|---|---|
| Initial rate | Not confirmed | 2.36% |
| APRC | Not confirmed | 2.97% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 80% |
| Product fee | Not confirmed | €0 |
| Purpose | Purchase, Equity release, Home equity | Purchase, Remortgage |
Where each stands against the rest
| Fact | LEND.ch | Prestalo | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 4.1% to 30%lowest quarter | 9.99 |
| Term | 12 to 84 monthsabove the median | 1 to 120 monthshighest quarter | 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.
Prestalo
Pros
- No arrangement fee on personal loans: 0 EUR.
- Early repayment is free, so clearing the balance early costs nothing extra.
- Personal loans run €500 to €100,000 and 1 to 120, so borrowers can size the loan and the term to suit them.
Cons
- The rate is fixed rather than variable, so fixed pricing cannot fall the way a variable rate can.
- A hard credit check applies, hard, so an application creates a full credit file search.
- Prestalo works as a broker, broker, so the lender named in the offer is the party you repay and Prestalo sits in between.
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%.
Prestalo
Who it suits
- Spanish residents with a steady income, since eligibility is open to adults living in Spain with valid DNI or NIE paperwork and stable sufficient income.
- Borrowers who plan to clear the balance early, since free early repayment means overpaying costs no extra charge.
- People who want no arrangement fee, because the origination fee is 0 EUR on personal loans.
Who should look elsewhere
- Anyone outside Spain, since eligibility is tied to residence in Spain and a valid DNI or NIE. Creduma ES also serves euro borrowers, so compare that market.
- People building a credit file from scratch, because the credit check is hard, hard, and a good credit record is expected, good.
- Anyone wanting a variable rate, since the rate type is fixed, fixed. Sofkredit quotes 10.74% to 18.06%, so check that market if falling rates matter more than certainty.
Country by country
| Country | LEND.ch | Prestalo |
|---|---|---|
| Spain | 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.
Prestalo
What does a Prestalo personal loan cost?+
The annual percentage rate runs 4.1% to 30% and the rate is fixed, so payments stay level. The origination fee is 0 EUR, and early repayment is free, so clearing the balance early adds nothing. Interest is the cost of the loan.
How long does a Prestalo loan take to arrive?+
Money is transferred to your bank account, normally within a day or two, and same-day funding is listed as a feature, same day funding. Because Prestalo is a broker, the pace depends on the lender it places the application with. Plan on a short wait rather than an instant transfer.