Lend.ch: P2P Loans in Switzerland
- Lapo Zarina
- Aug 7
- 3 min read
Lend.ch is one of the leading Swiss platforms for Peer-to-Peer (P2P) lending, which is lending between individuals. It is not a traditional bank, but a digital intermediary that connects individuals or small businesses in need of a loan with investors who want to make their capital grow. Lend.ch stands out for its transparency, the efficiency of its online processes, and the possibility of obtaining more competitive conditions compared to traditional banking channels, both for those seeking a loan and for those investing.
What financial products does Lend.ch offer?
Lend.ch operates in Switzerland with a specific focus on financing and investing through the P2P model. Its main offer includes:
Personal Loans: For individuals looking for quick financing at potentially advantageous conditions.
Credit Investments: For investors who want to diversify their portfolio by lending money to qualified applicants.
Lend.ch's Personal Loan Offers
Lend.ch offers an innovative solution for obtaining personal loans in Switzerland. Applicants can fill out the application online in a simple and fast way, receiving an offer based on their creditworthiness. The financing comes directly from private or institutional investors, which can result in more favourable interest rates than those offered by traditional banks. The procedure is entirely digital, from the request to the disbursement, ensuring speed and discretion. The loans can be used for a wide range of purposes, from debt consolidation to the purchase of goods. Find more details on Lend.ch's loans here and you can compare them with other options.
Lend.ch's Credit Investment Offers
For investors, Lend.ch represents an interesting opportunity to make their capital grow through credit investments. Investors can select the loans to finance based on risk and return criteria, diversifying their portfolio and potentially achieving higher returns than traditional investments. The platform offers tools for risk management and detailed statistics on credits, making the process transparent and controllable.
Advantages and Disadvantages of Lend.ch
To help you make an informed choice, here is a summary of the main pros and cons of relying on Lend.ch:
Advantages for Applicants (Borrowers):
Competitive Rates: Potentially lower interest rates than traditional banks thanks to the P2P model.
Fast and Digital Process: Loan application and management are entirely online, with quick response times.
Transparency: Clear conditions and no hidden costs.
Flexibility: Possibility to customize the loan amount and duration.
Advantages for Investors:
Potentially High Returns: Opportunity to achieve higher returns than traditional savings products.
Diversification: Ability to diversify your portfolio with an alternative asset class.
Control: Autonomous selection of loans to finance and monitoring of investments.
Social Impact: Contribute to financing projects and needs of individuals or small businesses.
General Disadvantages (for both parties):
Not a Bank: It does not offer all traditional banking services (e.g., current accounts for daily use, debit/credit cards, complex mortgages).
Investor Risk: For investors, there is the risk of borrower default, although Lend.ch takes measures to minimize it.
Requirements: Applicants must meet specific solvency criteria to be approved.
Contacting Lend.ch: how to reach customer service
If you need assistance or would like more information, here is how you can contact Lend.ch's customer service:
Email: info@lend.ch
Contact Form: Available directly on the official Lend.ch website.
Phone: +41 44 586 70 70 (Monday to Friday, 09:00 AM – 12:00 PM and 01:00 PM – 05:00 PM)
FAQ: Frequently asked questions section on their site for quick answers.
Lend.ch Headquarters and Addresses
Lend.ch operates as an online platform but has its main headquarters in Switzerland:
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