Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Fidea MX
What sets them apart
| Compare |  AXI Card Tarjeta y Credito | Fidea MX ReviewVisitVisit |
|---|---|---|
| APR | 21.59% | 0% to 3.752%Lower |
| Loan amount | up to €1,500 | MX$1,000 to MX$150,000 |
| Term | 1 month | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 MXN, Fidea charges nothing for using its service |
| Funding time | Immediate: credit line available on card activation | Same day or next business day after 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 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98, total repayment 10,397.88, total CAT 12.001% |
| 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 | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income |
| Loan types | Credit line, PersonalCovers more | Personal |
| Credit needed | Fair | Poor |
| Rate type | Fixed | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.8.
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Fidea MX: 0% to 3.752% vs 21.59%.
- Term is higher at Fidea MX: 3 to 60 months vs 1 month.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only Fidea MX offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
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.
Fidea MX
Fidea MX suits Mexican borrowers who want a personal loan paid out fast and no fee for using the service, with rates running 0% to 3.752%. The trade-off is that broker sits between you and the lender, and the credit check is hard.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Fidea MX |
|---|---|---|
| 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. | 9.5Higher |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.7 |
| Trust | 9.2Higher | 8.3 |
Availability and regulation
| Country | AXI Card Tarjeta y Credito | Fidea MX |
|---|---|---|
| Bulgaria | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Fidea MX: 1.
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 21.59% for AXI Card Tarjeta y Credito and 0% to 3.752% for Fidea MX.
FINANZCHECK.de reviewWhat we checked
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Fidea MX
- fidea.mx: 16 facts, checked September 26, 2026
How they place
| Ranking | AXI Card Tarjeta y Credito | Fidea MX |
|---|---|---|
| Personal loans | 38 of 1920 | 37 of 1920 |
| Loans for bad credit | 25 of 276 | 24 of 276 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Fidea MX |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | Finceptiv OU |
| Headquarters | Spain | Estonia |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Fidea MX | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 0% to 3.752%lowest quarter | 8.99% |
| Term | 1 monthlowest quarter | 3 to 60 monthsat 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.
Fidea MX
Pros
- There is no charge for using the service: 0 MXN, Fidea charges nothing for using its service.
- Rates are low across the board, with 0% to 3.752% covering the whole range, and the published representative example keeps the total cost close to the annual rate quoted.
- Amounts of MXN 1,000 to MXN 150,000 over terms of 3 to 60 give plenty of room on both size and length.
Cons
- Fidea acts as broker, so the lender, the rate and the contract all sit behind the application, and brokers are 20.6% of the brands tracked here against 72.1% that lend directly.
- The credit check is a hard one and the offer is aimed at poor credit, so a weak file is the target rather than an exception.
- Borrowing stops at MXN 1,000 to MXN 150,000, so a larger need such as a debt consolidation balance sits above the ceiling.
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.
Fidea MX
Who it suits
- Mexican borrowers with a thin credit file who want a small personal loan released quickly rather than a large balance.
- Borrowers who want no fee for using the service and who plan to clear the balance early.
- People who would rather deal with a single market and a single application than compare lenders themselves.
Who should look elsewhere
- Borrowers who want to judge a lender's own rate before applying: Monzo Flex shows 10% to 23% and Cashspace shows PHP 12 to PHP 36, while Fidea passes the rate through as a broker.
- Applicants outside Mexico, since eligibility is for Mexican nationals with a CURP and a Mexican bank account in their own name, so nothing here extends to other markets. Cashspace and Monzo Flex are the alternatives in their own markets.
Country by country
| Country | AXI Card Tarjeta y Credito | Fidea MX |
|---|---|---|
| Bulgaria | Yes | No |
| Mexico | 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.
Fidea MX
What rate will I pay on a Fidea MX personal loan?+
A Fidea MX personal loan runs at 0% to 3.752%, and the rate offered comes from the lender your application reaches rather than from the brand. The published representative example fixes a monthly payment and a total repayment for a set period, so the cost is interest rather than charges. Compare the range with other lenders before you sign.
Is there an arrangement or origination fee?+
The fee for using Fidea MX is 0 MXN, Fidea charges nothing for using its service, so nothing is added for the application or the introduction and the only cost on a personal loan is the interest set by the lender. Free early repayment means settling the balance sooner does not add a fee either.
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