Top-up your loan with LEND

You would like to top-up your 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.

Man who topped up a loan for more financial freedom.

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 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 with LEND at more favourable terms. Thus, with the lower interest rates, top-ups can often even be realised at the same monthly instalment.

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 consumer loan is free of charge. This is mandated by Swiss law. 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.

CHF 10’000
12 Months
Insurance (What is it?)
Interestfrom 4.50%to 10.95%

Monthly Rate881904

The effective interest rate is between 4.50% and 10.95% 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 175.82 and CHF 439.17. The total sum is thus between CHF 10’175.82 and CHF 10’439.17. The grant of a loan is prohibited if it leads to the over-indebtedness of the consumer (Art. 3 UWG).

Your bank doesn't want to increase your loan? Request a top-up from us and find out whether it isn't possible after all.
Cover unforseen costs by extending your loan.
Low rates from4.5%

Make your wishes come true now with a credit increase

Particularly in the case of larger projects, additional costs often follow that were not planned for at the beginning. For example, when building a house, further workmen's bills or when buying a car, the purchase of winter tyres and a roof box. Having a little financial leeway in such situations has saved many a project.

Your current personal loan is not enough and you want to increase your credit line? No problem with us. We are often more flexible than banks when it comes to increasing your credit. Especially if you have always paid your instalments on time and your debt ratio isn't high. You can top-up an existing LEND loan or we can replace your current bank loan and you take out a new loan with a higher amount, benefiting from more favourable interest rates and flexible terms.

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

This is how the loan top-up works with LEND

LEND offers you the opportunity to refinance your current loan at better rates and top it up in one go. The credit increase can be applied for quickly and easily online. You determine 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 low interest rates which are regularly 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.

Statistic: Potential savings in Switzerland when refinancing and topping up a loan.

Low interest top-up loans – making finance fair for you!