Updated September 28, 2026 · SumCue Editorial Team
LEND.ch vs Sofkredit
LEND.ch
Higher score in this comparison
Sofkredit
Where LEND.ch and Sofkredit differ
| Compare | LEND.chReviewVisitVisit | SofkreditReviewVisitVisit |
|---|---|---|
| APR | 4.3% to 9.96%Lower | 10.74% to 18.06% |
| Loan amount | from CHF 10,000 | €12,000 to €300,000 |
| Term | 12 to 84 months | 6 to 240 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) | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing |
| Credit check | Hard | Soft prequal |
| 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% | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 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) | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid |
| Loan types | Personal, Debt consolidation, Car, Student, Business, Secured, BridgingCovers more | Secured, Debt consolidation, Business |
| Funding time | Not confirmed | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 6% to 9% |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- LEND.ch scores higher overall: 9.0 vs 8.7.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- APR is lower at LEND.ch: 4.3% to 9.96% vs 10.74% to 18.06%.
- Term is higher at Sofkredit: 6 to 240 months vs 12 to 84 months.
- Support channels: only LEND.ch offers Chat.
- Support channels: only Sofkredit offers Phone.
- Loan types: only LEND.ch offers Personal, Car, Student.
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.
Sofkredit
Sofkredit suits Spanish adults who want a substantial secured, consolidation, business or mortgage-guaranteed loan placed with a specialist lender. The published APR is 10.74% to 18.06% and a collaborating lender adds a commission, so the total repayable matters more than the headline rate.
Score breakdown
| Area | LEND.ch | Sofkredit |
|---|---|---|
| Cost | 9.3Higher | 8.6 |
| Offer | 9.5HigherEffective interest rates of 4.3% to 9.96%, with free early repayment on the loan. | 9.4Amounts of €12,000 to €300,000 at an APR of 10.74% to 18.06%, with secured, consolidation, business and mortgage-guaranteed lending and same-day funding. |
| Trust | 8.3 | 8.5Higher |
Availability and regulation
| Country | LEND.ch | Sofkredit |
|---|---|---|
| Italy | Not confirmed | |
| Spain | Not confirmed | Banco de Espana E020 |
| Switzerland | Not confirmed |
Additional countries for LEND.ch: 1. Additional countries for Sofkredit: 3.
Positions in our rankings
| Ranking | LEND.ch | Sofkredit |
|---|---|---|
| Loans | 111 of 2043 | 4 of 2043 |
| Mortgages | 10 of 853 | 1 of 853 |
What each covers
| Loan types | LEND.ch | Sofkredit |
|---|---|---|
| Personal | Yes | No |
| Debt consolidation | Yes | Yes |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | Yes |
| Student | Yes | No |
| Bridging | Yes | No |
| Use cases | LEND.ch | Sofkredit |
|---|---|---|
| Home improvement | Yes | Yes |
Which one suits you
Pick LEND.ch if cost, apr, and loan types matter most.
Pick Sofkredit if term matter most.
Every fact side by side
| Fact | LEND.ch | Sofkredit |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Switzerlend AG (CHE-456.445.646) | Kova Finance, S.L. |
| Headquarters | Switzerland | Spain |
| Founded | 2015 | Not confirmed |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | LEND.ch | Sofkredit |
|---|---|---|
| Initial rate | Not confirmed | 8% to 14% |
| APRC | Not confirmed | 10.74% to 18.06% |
| Fixed period | Not confirmed | 0.5 to 20 years |
| Maximum loan to value | Not confirmed | 30% |
| Product fee | Not confirmed | €900 to €1,350 |
| Purpose | Purchase, Equity release, Home equity | Home equity, Remortgage |
Where each stands against the rest
| Fact | LEND.ch | Sofkredit | Median |
|---|---|---|---|
| APR | 4.3% to 9.96%lowest quarter | 10.74% to 18.06%above the median | 9.99 |
| Term | 12 to 84 monthsabove the median | 6 to 240 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 6% to 9%highest quarter | 0 |
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.
Sofkredit
Pros
- Loan amounts of €12,000 to €300,000 suit secured borrowing, debt consolidation and business finance.
- Sofkredit adds no charge of its own, while the 6% to 9% arrangement fee on mortgage-guaranteed loans is set by the collaborating lender.
- A soft prequalification check under soft prequal is gentler on a credit file than a full search.
Cons
- The collaborating lender charges an arrangement fee of 6% to 9% of the loan on top of the interest rate.
- The top of the 10.74% to 18.06% range compares with a site median of 15.5%, so the dearest outcome sits well above the middle of the market.
- Sofkredit works as a broker under broker, so the lender and the final terms sit elsewhere.
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%.
Sofkredit
Who it suits
- Adults in Spain who hold Spanish nationality or residence and a bank account, and need a secured loan.
- Borrowers consolidating debt who want to start with a soft prequalification through soft prequal.
- Homeowners planning home equity or a remortgage under home equity and remortgage.
Who should look elsewhere
- Applicants outside Spain, since eligibility rests on Spanish nationality or residence and a bank account, while Cashspace at PHP 12 to PHP 36 serves another market.
- Borrowers who want the lowest headline cost, who should weigh Solcredito MX at 9.5% to 3,696% and Cashspace at PHP 12 to PHP 36 before settling.
- Anyone expecting a direct lender or a small sum, since Sofkredit works as a broker under broker and publishes amounts of €12,000 to €300,000.
Country by country
| Country | LEND.ch | Sofkredit |
|---|---|---|
| France | No | Yes |
| Italy | No | Yes |
| 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.
Sofkredit
What fees do I pay through Sofkredit?+
Sofkredit adds no charge of its own. The arrangement fee of 6% to 9% of the loan is charged by the collaborating lender on mortgage-guaranteed loans, and the first example given is a €900 to €1,350 commission. Anyone budgeting here should add that commission to the interest, since it sits on top of the rate rather than inside it.
What rate and total cost should I expect?+
The published APR is 10.74% to 18.06%, and the representative example puts a real figure on repayment: a loan repaid over several years costs more in total than the amount drawn down. The rate offered sits inside that range, while the total repayable depends on the term and on the collaborating lender's fee.