Updated September 29, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs CashX
Where AXI Card Tarjeta y Credito and CashX differ
| Compare |  AXI Card Tarjeta y Credito |  CashX |
|---|---|---|
| Loan amount | up to €1,500 | LKR 5,000 to LKR 300,000 |
| Term | 1 month | 5 to 30 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | Consulting and service fees, 0% to 2.2% per day |
| Funding time | Immediate: credit line available on card activation | Money credited to bank account within two hours of approval |
| 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%) | Borrow RS 10,000 over 10 days, repayment RS 12,200 in total |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Age 18 to 60, employed or with a steady income, located in Sri Lanka (terms page: Sri Lankan citizens aged 20 or older, site for use within Sri Lanka) |
| Loan types | Credit line, Personal | Personal, Payday |
| Credit needed | Fair | Poor |
| APR | 21.59% | Not confirmed |
| Credit check | Hard | Not confirmed |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- CashX scores higher overall: 9.2 vs 9.0.
- AXI Card Tarjeta y Credito is available in 1 more country.
- Term is higher at CashX: 5 to 30 months vs 1 month.
- Support channels: only CashX offers Chat.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only CashX offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only CashX 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.
CashX
CashX lends directly in Sri Lanka and pays out fast, with money reaching your bank account Money credited to bank account within two hours of approval. Borrowing suits employed adults who need a short personal or payday loan and want to clear it early without extra cost.
Score breakdown
| Area | AXI Card Tarjeta y Credito | CashX |
|---|---|---|
| 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. | 9.2Higher |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.2Higher |
| Trust | 9.2 | 9.2 |
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | CashX |
|---|---|---|
| Personal loans | 38 of 1920 | 443 of 1920 |
| Loans for bad credit | 25 of 276 | 101 of 276 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | CashX |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | A V Business Solutions (Private) Limited |
| Headquarters | Spain | Sri Lanka |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | CashX | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | Not confirmed | 8.99% |
| Term | 1 monthlowest quarter | 5 to 30 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.
CashX
Pros
- Fixed rate borrowing, so the cost does not move while you repay: fixed
- Fast payout straight to a bank account: Money credited to bank account within two hours of approval
- Free early repayment, so settling sooner costs no extra fee
Cons
- Fees are heavy at the top of the range: Consulting and service fees, 0% to 2.2% per day
- The shortest representative example costs Borrow RS 10,000 over 10 days, repayment RS 12,200 in total
- Credit is aimed at poor credit files, which narrows who is likely to be accepted: poor
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.
CashX
Who it suits
- Employed adults in Sri Lanka with a steady income who need money quickly
- Borrowers who can settle the balance early and want to pay no early repayment fee
- Anyone looking for personal and payday loans from a direct lender rather than a broker
Who should look elsewhere
- Anyone outside Sri Lanka, since the site is for use within Sri Lanka and applicants must be located there
- People wanting a large long term loan, since terms run 5 to 30 and amounts top out at LKR 5,000 to LKR 300,000
Current offers
CashX
Current offer
Discount code
Exclusive offer! Interest from 0.01%: Interest from 0.01%
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | CashX |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| Sri Lanka | 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.
CashX
What does CashX charge for borrowing?+
CashX charges consulting and service fees, listed as Consulting and service fees, 0% to 2.2% per day. The worked example on the site shows Borrow RS 10,000 over 10 days, repayment RS 12,200 in total, which is the clearest way to see the true cost of a short loan. Work out the total you will repay before you sign.
How fast do I get the money?+
CashX states that Money credited to bank account within two hours of approval. Same day funding is one of the features of the service, so a payday style loan can cover a bill that cannot wait for a pay cycle. Approval still depends on the checks CashX runs.
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