Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Lendela
Where AXI Card Tarjeta y Credito and Lendela differ
| Compare |  AXI Card Tarjeta y Credito |  Lendela |
|---|---|---|
| APR | 21.59% | up to 48% |
| Loan amount | up to €1,500 | SGD 1,000 to SGD 200,000 |
| Term | 1 month | 3 to 72 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | SGD 0 |
| Credit check | Hard | None |
| Funding time | Immediate: credit line available on card activation | Around 1-2 days from application to disbursement; some within hours |
| 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: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 |
| Lender type | Direct lender | Marketplace |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR |
| Loan types | Credit line, Personal | Personal, Debt consolidation, Business, Secured, Student |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit needed (Fair).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.5.
- Term is higher at Lendela: 3 to 72 months vs 1 month.
- Features: only Lendela offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
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.
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| 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. | Not confirmed |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. |
| Trust | 9.2Higher | 8.2 |
Licences and countries
| Country | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Bulgaria | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Lendela: 2.
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Personal loans | 38 of 1932 | 74 of 1932 |
| Loans for bad credit | 25 of 275 | 42 of 275 |
| Lines of credit | 8 of 328 | 10 of 328 |
Side by side, item by item
| Loan types | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | No | Yes |
| Business | No | Yes |
| Student | No | Yes |
What we checked
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Lendela Pte. Ltd. |
| Headquarters | Spain | Singapore |
| Founded | Not confirmed | 2018 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Initial rate | Not confirmed | 2.4% |
| Product fee | Not confirmed | SGD 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Lendela | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | up to 48%highest quarter | 8.99% |
| Term | 1 monthlowest quarter | 3 to 72 monthsabove the median | 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.
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no 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.
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
Country by country
| Country | AXI Card Tarjeta y Credito | Lendela |
|---|---|---|
| Bulgaria | Yes | No |
| Hong Kong | No | Yes |
| Singapore | 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.
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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