Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Cofidis FR
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Cofidis FR |
|---|---|---|
| APR | 21.59% | 5.43% to 8.54%Lower |
| Loan amount | up to €1,500 | €500 to €35,000Higher |
| Term | 1 month | 12 to 84 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 EUR |
| Funding time | Immediate: credit line available on card activation | Under 8 days after contract signature (express request) |
| 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 of 16,000 EUR over 60 months: 8.54% fixed TAEG (8.22% fixed nominal rate), 326.11 EUR per month, 19,566.23 EUR total due |
| Loan types | Credit line, Personal | Personal, Credit line, Debt consolidation, Car, BNPLCovers more |
| 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: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- Cofidis FR scores higher overall: 9.3 vs 9.0.
- Cofidis FR is licensed in 1 more country.
- APR is lower at Cofidis FR: 5.43% to 8.54% vs 21.59%.
- Loan amount is higher at Cofidis FR: €500 to €35,000 vs up to €1,500.
- Term is higher at Cofidis FR: 12 to 84 months vs 1 month.
- Support channels: only Cofidis FR offers Chat.
- Loan types: only Cofidis FR offers Debt consolidation, Car, BNPL.
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.
Cofidis FR
Cofidis is a sensible pick for anyone borrowing in France for a car, a home project or a consolidation. Fees of 0 EUR, rates of 5.43% to 8.54% and a hard credit check keep the offer clear, and free early repayment leaves room to pay it off sooner.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Cofidis FR |
|---|---|---|
| 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. | 9.3Higher |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.3HigherFees of 0 EUR, rates of 5.43% to 8.54% and terms of 12 to 84, with free early repayment. |
| Trust | 9.2 | 9.4Higher |
Ranges side by side
| Fact | AXI Card Tarjeta y Credito | Cofidis FR |
|---|---|---|
| Loan amount | up to €1,500 | €500 to €35,000 |
Also worth a look
Sofkredit has term at 6 to 240 months, against 1 month for AXI Card Tarjeta y Credito and 12 to 84 months for Cofidis FR.
Sofkredit reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Cofidis FR |
|---|---|---|
| Personal loans | 38 of 1920 | 315 of 1920 |
| Lines of credit | 8 of 328 | 55 of 328 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Cofidis FR |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line |
| Legal entity | Access Finance SL | Cofidis |
| Headquarters | Spain | Belgium |
| Founded | Not confirmed | 1982 |
| Support channels | Phone, Email, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Cofidis FR | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 5.43% to 8.54%below the median | 8.99% |
| Loan amount | up to €1,500lowest quarter | €500 to €35,000below the median | €40,000 |
| Term | 1 monthlowest quarter | 12 to 84 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.
Cofidis FR
Pros
- No origination fee on the loans listed here, so the quoted rate is the main cost
- Fixed rate lending only, so repayments do not move with market rates
- Free early repayment, so overpaying is not penalised
Cons
- Hard credit check, so a declined application leaves an impact on the credit file
- Funding takes Under 8 days after contract signature (express request), which is slower than same day lenders
- The shortest available term is 12 to 84, so shorter borrowing is not an option
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.
Cofidis FR
Who it suits
- Borrowers in France funding a car, a home project or an existing balance
- People with a solid credit file who pass a full credit check
- Anyone who values a fixed rate and no origination fee over speed
Who should look elsewhere
- Anyone needing money the same day, since funding runs to Under 8 days after contract signature (express request)
- Applicants with thin credit, as the credit check is hard
- Monzo Flex, if you want a wider rate range at 10% to 23%
Current offers
Cofidis FR
Current offer
Bonus
Decouvrez l'offre Monabanq !: Up to 280 EUR
Offer valid for a limited period, subject to Monabanq partner conditions
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Cofidis FR |
|---|---|---|
| Belgium | No | Yes |
| Bulgaria | Yes | No |
| France | 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.
Cofidis FR
What does Cofidis charge for arranging a loan?+
The origination fee is 0 EUR, so nothing is added on top of the quoted rate. That makes the headline rate the main cost to compare. Early repayment is free, so finishing sooner does not attract a charge.
What rate will I pay on a Cofidis personal loan?+
Rates run 5.43% to 8.54% on a fixed basis, and the rate type is fixed rather than variable. That means the monthly amount holds for the length of the agreement. It sits below the site median of 12%.
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