Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Brixo Privatlån
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Brixo Privatlån |
|---|---|---|
| APR | 21.59% | 19.95%Lower |
| Loan amount | up to €1,500 | SEK 10,000 to SEK 200,000 |
| Term | 1 month | 36 to 90 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 475 SEK setup fee plus 25 SEK monthly administration fee |
| Funding time | Immediate: credit line available on card activation | Same day the application is approved, by Swish or bank transfer, at latest the next banking day |
| Representative example | 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%) | Example loan 100 000 SEK repaid with 2 185 SEK per month over 90 months, effective annual rate 22.6 %, total cost 96 650 SEK, total to repay 196 650 SEK |
| Rate type | Fixed | Variable |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Over 21 years old, annual income of at least 200 000 SEK, Swedish bank account and BankID, registered in Sweden, no current debt enforcement debts (payment remarks accepted) |
| Loan types | Credit line, Personal | Personal, Debt consolidation |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes), Credit needed (Fair).
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Key differences
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Brixo Privatlån: 19.95% vs 21.59%.
- Term is higher at Brixo Privatlån: 36 to 90 months vs 1 month.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only Brixo Privatlån offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Brixo Privatlån offers Debt consolidation.
Our verdict on each
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.
Brixo Privatlån
Brixo Privatlån suits Swedish adults with a steady income who want a straightforward personal loan for home improvement, with money often landing the same day it is approved. The cost of that speed is real: an APR of 19.95% on a variable rate sits well above many personal loans here.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Brixo Privatlån |
|---|---|---|
| Cost | 8.8APR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 8.8APR of 19.95% plus 475 SEK setup fee plus 25 SEK monthly administration fee on a variable rate leaves the repayment heavy. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.4Higher |
| Trust | 9.2Higher | 8.9 |
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | Brixo Privatlån |
|---|---|---|
| Bulgaria | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Brixo Privatlån: 1.
A third option
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 36 to 90 months for Brixo Privatlån.
Sofkredit reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Brixo Privatlån |
|---|---|---|
| Personal loans | 38 of 1920 | 683 of 1920 |
| Loans for bad credit | 25 of 276 | 140 of 276 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Brixo Privatlån |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | Brixo AB (org.nr. 556978-9273) |
| Headquarters | Spain | Sweden |
| Founded | Not confirmed | 2014 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Brixo Privatlån | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 19.95%highest quarter | 8.99% |
| Term | 1 monthlowest quarter | 36 to 90 monthsabove the median | 60 months |
Median across 1152 listed lenders.
Pros and cons
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.
Brixo Privatlån
Pros
- Same day funding once an application is approved, by Swish or bank transfer, and free early repayment on the loan.
- Borrowing runs SEK 10,000 to SEK 200,000 over a term of 36 to 90, with personal and debt consolidation loans listed.
- A hard credit check and a fair credit profile are what the lender asks for, so approval is decided on a real credit file.
Cons
- An APR of 19.95% on a variable rate is high next to cheaper personal loans on the site.
- A setup fee plus a monthly administration fee in 475 SEK setup fee plus 25 SEK monthly administration fee adds a fixed cost on top of the interest.
- The minimum term of 36 to 90 rules out short borrowing, so extra interest compounds for longer.
Who each suits
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.
Brixo Privatlån
Who it suits
- Adults registered in Sweden with a Swedish bank account and BankID, and a high enough annual income for the lender's criteria
- Borrowers who already have payment remarks but no current debt enforcement debts, and want that treated as workable
- People planning a home improvement project who value same day funding and free early repayment over the lowest rate
Who should look elsewhere
- Anyone hunting for the cheapest borrowing, since 19.95% is well above the site median of 12%
- Borrowers who need a fixed rate, because this loan runs on a variable rate
- Anyone who cannot meet the income requirement, or who needs a loan below SEK 10,000 to SEK 200,000
Country by country
| Country | AXI Card Tarjeta y Credito | Brixo Privatlån |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| Sweden | No | Yes |
Questions about each
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.
Brixo Privatlån
What rate do I pay on a Brixo personal loan?+
The stated rate is an APR of 19.95%, and the interest rate is variable, so it can move. The representative example shows a higher effective annual rate than the headline figure once the schedule of repayments is taken into account.
What fees sit on top of the interest?+
There is a setup fee and a monthly administration fee, together listed as 475 SEK setup fee plus 25 SEK monthly administration fee. On a short loan those fixed charges weigh heavily, so ask for the total cost before you sign.
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