direct-lending.net doesn’t do consumer credit for regulatory reasons. The loans must be commercial. This shouldn’t be a problem as there are many other institutions doing consumer credit:
- commercial: http://www.sofortdarlehen.ch/index.php
- crowd financing consumer loans (Europe): http://uk.zopa.com/ZopaWeb/
- crowd financing consumer loans (Switzerland): http://www.cashare.ch/
Consumer credit is heavily regulated in Switzerland (for good reasons). Therefore the part e.g. cashare is doing is much greater than what direct-lending.net is doing: bonity checks etc. The interest rates are higher, but so is the default risk of customers. Especially here: don’t put all eggs in one basket.