Opening a LEND account and credit checks are generally free of charge. In the case of complex checks, such as for mortgages, certain costs may be incurred, such as for an appraisal.

Otherwise, borrowers only pay if a loan project has been successfully financed. We then either deduct this fee immediately when the loan is paid out or issue a separate invoice. The fee schedule provides detailed information on this.

For personal loans, we also recommend taking out payment protection insurance with our partner Helvetia Insurance. This protects you against the risks of (unavoidable) unemployment, death and incapacity to work. If, for example, you lose your job due to restructuring, Helvetia will continue to pay your monthly instalments for a maximum of 12 months. We will invoice you for the insurance premium with your monthly payments. Important: Insurance generally reduces the credit risk and thus leads to lower interest rates.