Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Buyway BE
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Buyway BE |
|---|---|---|
| APR | 21.59% | 7.49%Lower |
| Loan amount | up to €1,500 | €5,000 to €10,001Higher |
| Term | 1 month | 12 to 57 monthsHigher |
| Funding time | Immediate: credit line available on card activation | Within 2 business days of the request, money arrives in the customer's bank account |
| 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%) | Personal loan (pret a temperament) of 10,001.00 EUR over 57 months at 7.49% APR (fixed debtor rate): 57 monthly payments of 207.88 EUR, total 11,849.16 EUR |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | Not confirmed |
| Credit check | Hard | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Loan types (Credit line, Personal).
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Key differences
- Buyway BE scores higher overall: 9.3 vs 9.0.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Buyway BE: 7.49% vs 21.59%.
- Loan amount is higher at Buyway BE: €5,000 to €10,001 vs up to €1,500.
- Term is higher at Buyway BE: 12 to 57 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Email.
- Support channels: only Buyway BE offers Chat.
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.
Buyway BE
Buyway BE suits Belgian adults planning a home improvement who want a fixed rate and a revolving credit line alongside a personal loan. Its APR of 7.49% sits below the site median of 12%, and it is supervised by the FSMA in Belgium.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Buyway BE |
|---|---|---|
| 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. | 9.2HigherPersonal loan at an APR of 7.49% on amounts of €5,000 to €10,001, with 12 to 57 to repay and a fixed rate. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.4Higher |
| Trust | 9.2 | 9.2 |
Ranges side by side
| Fact | AXI Card Tarjeta y Credito | Buyway BE |
|---|---|---|
| Loan amount | up to €1,500 | €5,000 to €10,001 |
Positions in our rankings
| Ranking | AXI Card Tarjeta y Credito | Buyway BE |
|---|---|---|
| Personal loans | 38 of 1920 | 327 of 1920 |
| Lines of credit | 8 of 328 | 59 of 328 |
Sources behind this comparison
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Buyway BE
- buyway.be: 14 facts, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Buyway BE |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Access Finance SL | BUY WAY PERSONAL FINANCE SA |
| Headquarters | Spain | Belgium |
| Support channels | Phone, Email, Help centre | Chat, Help centre, Phone |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Buyway BE | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 7.49%below the median | 8.99% |
| Loan amount | up to €1,500lowest quarter | €5,000 to €10,001below the median | €40,000 |
| Term | 1 monthlowest quarter | 12 to 57 monthsbelow 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.
Buyway BE
Pros
- APR of 7.49% is below the site median of 12%
- Lends directly as direct lender, with a fixed rate on credit line and personal
- Offers a credit line as well as a personal loan, per credit line and personal
Cons
- Borrowing starts at a high €5,000 to €10,001, which excludes small loans
- Support runs on chat, help centre and phone only, so questions are handled remotely
- The rate is fixed, so fixed rate loans do not benefit from falling market rates
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.
Buyway BE
Who it suits
- Belgian adults planning a renovation
- Borrowers who want one fixed rate for the whole term
- People who may want a credit line as well as a lump sum
Who should look elsewhere
- Borrowers who need a small amount below the €5,000 to €10,001 floor
- Readers wanting a variable rate, since the model here is fixed rate
Country by country
| Country | AXI Card Tarjeta y Credito | Buyway BE |
|---|---|---|
| Belgium | No | Yes |
| Bulgaria | Yes | No |
| Spain | Yes | No |
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.
Buyway BE
What rate does Buyway BE charge?+
Its personal loan runs at an APR of 7.49% on a fixed rate, so the cost of borrowing stays the same across the term. That sits below the site median of 12% for loans on file.
How much can I borrow and for how long?+
Personal loans run in amounts of €5,000 to €10,001 with terms of 12 to 57. The figure is a high floor for a personal loan, which suits a planned renovation rather than a small purchase.
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