Updated September 28, 2026 · BorrowCue Editorial Team
AvaFin Poland vs AXI Card Tarjeta y Credito
AvaFin Poland vs AXI Card Tarjeta y Credito: the differences
| Compare |  AvaFin Poland |  AXI Card Tarjeta y Credito |
|---|---|---|
| APR | 298.92% | 21.59%Lower |
| Loan amount | up to PLN 15,000 | up to €1,500 |
| Term | 30 monthsHigher | 1 month |
| Arrangement fee | 108.20 PLN commission (prowizja) on a 1000 PLN 30-day loan; 1.00 PLN registration fee refunded to borrower | 0 EUR (card issuance and annual maintenance) |
| Funding time | Money on your account in as little as 5 minutes from submitting the application | Immediate: credit line available on card activation |
| Representative example | AvaFin loan for a moment: 1000 PLN, 30 days, variable 14.50% p.a. (maximum interest), commission 108.20 PLN, capital interest 11.89 PLN, total loan cost 120.09 PLN, total payable 1120.09 PLN, RRSO 298.92% (as of 05.03.2026) | AXI Card: 500 EUR line drawn in full, 19.71% annual interest, payment of 508.10 EUR in the payment period, total cost of credit 8.10 EUR (TAE 21.59%) |
| Rate type | Variable | Fixed |
| Eligibility | Age 19-75; must hold a PESEL number and be permanently registered and resident in Poland; ID document and bank account required; loan not for business or professional activity | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days |
| Loan types | Payday, Personal | Credit line, Personal |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | 10.82% | Not confirmed |
| Credit needed | Not confirmed | Fair |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.9.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at AXI Card Tarjeta y Credito: 21.59% vs 298.92%.
- Term is higher at AvaFin Poland: 30 months vs 1 month.
- Features: only AvaFin Poland offers Same day funding.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only AvaFin Poland offers Payday.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
Our verdict on each
AvaFin Poland
AvaFin Poland is a direct lender for adults resident in Poland who need a short 30 cash loan paid out fast. The trade-off is price: an APR of 298.92% sits well above the 12% site median, so speed and simplicity come at a steep cost.
AXI Card Tarjeta y Credito
AXI Card Tarjeta y Credito suits Spanish residents who want a small, revolving line on a card rather than a long loan. Costs are light on setup at 0 EUR (card issuance and annual maintenance), but 21.59% sits above the site median of 12% and each payment period is 1.
Score breakdown
| Area | AvaFin Poland | AXI Card Tarjeta y Credito |
|---|---|---|
| Cost | 8.1APR of 298.92% and commission of 10.82% sit far above the 12% site median. | 8.8HigherAPR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. |
| Offer | 9.4HigherLoan sizes reach up to PLN 15,000 over a 30 term, plus same-day funding and a hard credit check. | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. |
| Trust | 9.2 | 9.2 |
Pick AvaFin Poland if, pick AXI Card Tarjeta y Credito if
Pick AvaFin Poland if offer and term matter most.
Pick AXI Card Tarjeta y Credito if cost and apr matter most.
How they place
| Ranking | AvaFin Poland | AXI Card Tarjeta y Credito |
|---|---|---|
| Personal loans | 112 of 1920 | 38 of 1920 |
Licences and countries
| Country | AvaFin Poland | AXI Card Tarjeta y Credito |
|---|---|---|
| Bulgaria | Not confirmed | |
| Poland | Not confirmed |
Additional countries for AvaFin Poland: 1. Additional countries for AXI Card Tarjeta y Credito: 2.
Also worth a look
Sofkredit has term at 6 to 240 months, against 30 months for AvaFin Poland and 1 month for AXI Card Tarjeta y Credito.
Sofkredit reviewEvery fact side by side
| Fact | AvaFin Poland | AXI Card Tarjeta y Credito |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Credit line |
| Legal entity | AvaFin Poland sp. z o.o. | Access Finance SL |
| Headquarters | Poland | Spain |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AvaFin Poland | AXI Card Tarjeta y Credito | Median |
|---|---|---|---|
| APR | 298.92%highest quarter | 21.59%highest quarter | 8.99% |
| Term | 30 monthsbelow the median | 1 monthlowest quarter | 60 months |
| Origination fee (%) | 10.82%highest quarter | Not confirmed | 0.25% |
Median across 1152 listed lenders.
Pros and cons
AvaFin Poland
Pros
- Money can reach the account quickly, with same-day funding listed in same day funding
- Loan sizes reach up to PLN 15,000, well above the €876.96 site median
- Support runs through phone, email and help centre
Cons
- APR of 298.92% compares badly with the 12% site median
- The arrangement fee adds commission of 10.82% on top of the interest
- Applications use a hard credit check
AXI Card Tarjeta y Credito
Pros
- Early repayment is free, so a balance cleared inside the payment period stops accruing interest.
- Help is reachable on phone, email and help centre, which covers a phone line, an email address and a help centre.
- The rate type is fixed, so the interest charged on a drawn balance holds steady between payment periods.
Cons
- Interest runs at 21.59%, above the site median of 12% and above the starting point of the range Monzo Flex quotes at 10% to 23%.
- Applications run a hard credit check, so an application leaves a full search on the file whatever the outcome.
- The line stops at up to €1,500, so it will not stretch to a large expense.
Who each suits
AvaFin Poland
Who it suits
- Adults living in Poland who need cash the same day
- Borrowers with a PESEL number, ID document and bank account
- People covering a short-term bill who accept a variable rate
Who should look elsewhere
- Anyone wanting a longer repayment at a lower cost, since the term runs 30
- Business borrowing, which the eligibility rules exclude
- Borrowers at the top of the stated age range, since eligibility stops at a maximum age
AXI Card Tarjeta y Credito
Who it suits
- Borrowers in Spain who want a credit line attached to a card they use weekly and repay quickly.
- Anyone who prefers to clear a balance early, since early repayment costs nothing.
- Applicants with fair credit and no ASNEF registration who can pass a full credit check.
Who should look elsewhere
- Monzo Flex, whose quoted range of 10% to 23% starts below the 21.59% charged here.
- Cashspace ES, which lists an APR of 0% and so charges nothing on a balance.
- Cashspace, which quotes PHP 12 to PHP 36 and suits readers who want to compare rates across markets before settling on a card.
Current offers
AvaFin Poland
Current offer
Bonus
First AvaFin loan promotional (Pożyczka Promocyjna): First loan repayable without paying or with a reduced preparation fee, commission or capital interest (fee 0 PLN when fully waived)
Only for borrowers who have not had an avafin.pl loan before and pass the credit assessment; promotional terms are lost if the loan is repaid after the due date; promotion runs from 23 March 2020 until revoked
Source, checked September 26, 2026
Country by country
| Country | AvaFin Poland | AXI Card Tarjeta y Credito |
|---|---|---|
| Bulgaria | No | Yes |
| Poland | Yes | No |
| Spain | No | Yes |
Questions about each
AvaFin Poland
What does a loan from AvaFin Poland cost?+
The listed APR is 298.92%, charged on top of commission. The representative example on a small loan shows the commission, the capital interest and the total cost, so the headline rate is not the whole bill.
What is the arrangement fee and is it refundable?+
The arrangement fee is charged as a commission of 10.82%, taken on top of the interest. The registration fee held inside that charge is refunded to the borrower, but the commission itself is not.
AXI Card Tarjeta y Credito
What does it cost to open and keep the card?+
Opening the card and keeping it active each year costs 0 EUR (card issuance and annual maintenance). That figure covers both card issuance and the annual maintenance charge, so there is no separate setup fee layered on top of the credit. The cost to watch sits in the interest rate instead, set at 21.59% and accruing on whatever balance you carry.
How is the rate set, and can it move?+
The rate type is fixed and the pricing model is a fixed rate, so the interest charged on a drawn balance holds steady between payment periods. The headline figure is 21.59%. The published terms describe that single rate rather than a promotional opening rate that later resets, so the figure on offer is the figure you pay.
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