The low-interest consumer credit from LEND

Whether you are buying a vehicle, purchasing consumer electronics, or financing a move, LEND's flexible consumer credit gives you additional funds in a straightforward way.

Junges Paar läuft Arm in Arm am Strand entlang, beide lächeln und tragen Sonnenbrillen bei Abendlicht.

Apply for consumer credit online

Applying for consumer credit with LEND is straightforward. As part of our application process, we only need the following information from you:

Desired amount: You decide how much you need for your project. At LEND, consumer credits can be requested from CHF 10'000. When choosing the loan amount, it is often advisable to include an additional financial buffer. During the term, you can increase the loan amount.
Term: You choose the period over which you want to repay the consumer credit. The rule is: the longer the term, the lower the monthly installments and the more financial leeway you have.
Personal details: To get to know you better and to carry out our credit assessment, we need your key personal details. We treat them as strictly confidential. Based on this information, we determine your personal interest rate and make you an individual loan offer.

CHF

Amount

Months

Term

Insurance portion (What is it?)

	Best rate	Max. rate
Interest	4.30%	9.96%
Monthly Rate	880	897
Insurance portion	33	34

Request now

See your forecast interest rate already during the application.

The effective interest rate is between 4.30% and 9.96% and is dependent on your credit score and selected loan term. The repayment period is a minimum of 12 months and a maximum of 84 months. For a loan of CHF 10’000 and 12 months the interest cost and fees range between CHF 163.24 and CHF 358.33. The total sum is thus between CHF 10’163.24 and CHF 10’358.33. The grant of a loan is prohibited if it leads to the over-indebtedness of the consumer (Art. 3 UWG).

Our loan offers are as individual as our customers' needs.

Apply for consumer credit

Lachendes Paar sitzt gemütlich auf dem Sofa mit einer Schale Popcorn. Mit einem Konsumkredit von LEND schaffen sie sich finanzielle Freiheit für persönliche Wünsche und gemeinsame Erlebnisse.

Low rates from4.3%

Consumer credit starting at 4.3%

On our crowdlending platform, we bring borrowers together with investors directly. Because no bank is involved in granting the loan, costs are reduced. We pass these savings on to our customers. For you, this means lower interest rates.

A comparison of loans shows that our low rate of 4.3% is currently among the lowest interest rates in Switzerland.

Investors at LEND invest directly in the consumer credits. As a borrower, you benefit from crowdlending through favourable terms and the option to conclude a loan agreement transparently within a few days.

With the consumer credit, we give borrowers more financial flexibility. High costs go against this idea. This is why we offer our customers low interest rates and transparent fees.

Apply for consumer credit

Key facts about consumer credits

A consumer credit (also referred to as a consumer loan) is used by private individuals to finance consumer goods or services. Leasing contracts, credit cards and customer cards, as well as overdrafts, also fall under this term. Mortgages, loans for professional purposes or business loans do not count as consumer credits.

Consumer credits are governed by the Swiss Consumer Credit Act (KKG). It includes rules on the content requirements for the loan agreement, the maximum permitted effective interest rates, and borrowers' rights during the loan term.

Personal loans for amounts of less than CHF 500 or more than CHF 80'000, and terms of less than 3 months, are not considered consumer loans within the meaning of the KKG.