Updated September 29, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Cashspace
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Cashspace |
|---|---|---|
| APR | 21.59% | ₱12 to ₱36 |
| Loan amount | up to €1,500 | ₱500 to ₱25,000 |
| Term | 1 month | 2 to 4 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 |
| Funding time | Immediate: credit line available on card activation | Funds within 5 minutes; most approved applicants receive the money the same 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%) | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 |
| Lender type | Direct lender | Broker |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Applicants in the Philippines, valid ID required |
| Loan types | Credit line, Personal | Personal, Payday, Credit lineCovers more |
| Credit needed | Fair | Poor |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
Same on both: Credit check (Hard).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
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.
- Term is higher at Cashspace: 2 to 4 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Phone.
- Support channels: only Cashspace offers Community.
- Features: only Cashspace offers Same day funding.
- Loan types: only Cashspace offers Payday.
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.
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Cashspace |
|---|---|---|
| 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. | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. |
| Offer | 8.7HigherA credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.5 |
| Trust | 9.2Higher | 8.3 |
Positions in our rankings
| Ranking | AXI Card Tarjeta y Credito | Cashspace |
|---|---|---|
| Personal loans | 38 of 1932 | 33 of 1932 |
| Loans for bad credit | 25 of 275 | 20 of 275 |
| Lines of credit | 8 of 328 | 7 of 328 |
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | Cashspace |
|---|---|---|
| Bulgaria | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Cashspace: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 2 to 4 months for Cashspace.
Sofkredit reviewEvery fact side by side
| Fact | AXI Card Tarjeta y Credito | Cashspace |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Fininity OU |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Email, Help centre | Email, Help centre, Community |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Cashspace | Median |
|---|---|---|---|
| Term | 1 monthlowest quarter | 2 to 4 monthslowest quarter | 60 months |
Median across 1005 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.
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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.
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
Country by country
| Country | AXI Card Tarjeta y Credito | Cashspace |
|---|---|---|
| Bulgaria | Yes | No |
| Philippines | No | Yes |
| 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.
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
Other options to compare
Other matchups
- Cashspace vs Credityes ES
- Cashspace vs CreditoZen
- Cashspace vs Credigenio ES
- Cashspace vs Pezetita
- Cashspace vs Fidea
- AXI Card Tarjeta y Credito vs Multitude Bank p.l.c
- AXI Card Tarjeta y Credito vs Qonto ES
- AXI Card Tarjeta y Credito vs Solcredito
- AXI Card Tarjeta y Credito vs Lendela
- AXI Card Tarjeta y Credito vs BriteCap Financial
- AXI Card Tarjeta y Credito vs Kredivo
- AXI Card Tarjeta y Credito vs Moneyveo UA
- AXI Card Tarjeta y Credito vs TF Bank
- AXI Card Tarjeta y Credito vs Upgrade