Top-up your loan with LEND

You would like to top-up your loan? Or you need a bridge loan? Did you know that you can save money doing this? More often than not you can benefit from refinancing your loan at better terms while topping it up at the same time.

Good to know, because the only constant in life is change...

You moved to your own home but finances ran short for your dream kitchen. Or you just paid your tax bill and there it is, that painful root canal. Life is full of surprises and sometimes we all need additional financial resources at very short notice - even if you have a running loan already. This could actually be an opportunity.

Save money by refinancing your loan

Most borrowers can refinance their existing loan at more favourable terms.

And with the lower interest rates you can finance the top-up. How does that work?

  1. With a running loan you have a credit history that confirms your creditworthiness. This allows you to receive a higher loan with longer terms and lower interest rates.

  2. While investors should diversify their risk and invest in several loans, borrowers should consolidate multiple loans with one provider. By consolidating your loans you can negotiate better terms. Also, higher loan amount help you qualify for lower interest rates. So if you are looking to increase your credit line, the timing is right. And as a positive side effect you will have one provider only that supports you with all your financing needs. This saves you money, but time and energy too.

  3. Refinancing your loan is free of charge. This is what the law says in Switzerland. Your bank can not charge you interest for the unused portion of the loan.

  4. Refinancing your loan is always an opportunity to negotiate a shorter loan term. This means you will be debt free earlier and at the same time save costs.

Loan amount
CHF 10’000
12 Months
Insurance (
Interest Rate from 4.50% to 9.80%
Insurance 33 34

Monthly Rate 881 900

The effective interest rate is between 4.50% and 9.80% 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 238.80 and CHF 459.70. The total sum is thus between CHF 10'238.80 and CHF 10'459.70. The grant of a loan is prohibited if it leads to the over-indebtedness of the consumer (Art. 3 UWG).

"Banks charge 13% interest on credit card debt while loans at LEND start at 4.5%. The math is rather easy."
Low rates from 4.5%

Plan ahead

When you are refinancing your loan you should plan ahead: Did you include and factor in all future needs and ideas? Is your loan calculated to the penny or are you leaving a financial cushion to cover unexpected events?

Your larger projects are more likely to have additional costs that were difficult to anticipate when you started. For example, the additional bills of manufacturers if you are building a house or the winter tyres and roof box for your new car. It is good advice to have some financial flexibility in such situations. Or maybe you are paying off your credit card debt but already know that you will have to buy new furniture. Instead of paying high interest rates on your credit card, you can refinance your current debt and cover additional expenses at the same time.

"Particularly for loans with longer terms there is a considerable savings potential from lower interest rates."

Refinance and top-up your loan with LEND

LEND offers you the opportunity to refinance your current loan at better rates and top it up in one go. You are in charge to define the loan amount and term of your new loan with LEND.

On our platform investors directly fund the financial needs of borrowers like you. Both, you and investors profit alike from our fair terms, full transparency and absolute discretion. You stay anonymous for investors and we can increase your loan amount with lower interest rates which are often lower than those of the well-known banks.

When you wish to refinance your loan, we support you in every step and help you calculate the appropriate amount for your top-up. All you have to do is complete your loan request, send in the supporting documents and we will create a loan offer tailored to your needs. We are looking forward to hearing from you.

Find your personal offer – get started right away!