Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Plazo ES
AXI Card Tarjeta y Credito vs Plazo ES: the differences
| Compare |  AXI Card Tarjeta y Credito |  Plazo ES |
|---|---|---|
| APR | 21.59%Lower | 24.19% |
| Loan amount | up to €1,500 | €500 to €5,000Higher |
| Term | 1 month | 48 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 EUR |
| Funding time | Immediate: credit line available on card activation | Money available about 10 minutes after sign-up; approval answer arrives in minutes |
| 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%) | Línea de crédito revolving 1.500 EUR, TIN fijo 21,86%, TAE 24,19%, 48 monthly instalments of 47,15 EUR, total due 2.263,20 EUR |
| Free early repayment | YesHas it | No |
| Eligibility | DNI for Spanish citizens; NIE plus passport for non-Spanish residents; no ASNEF registration and no debts overdue more than 30 days | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history |
| Credit needed | Fair | Good |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Loan types (Credit line, Personal).
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.
- APR is lower at AXI Card Tarjeta y Credito: 21.59% vs 24.19%.
- Free early repayment: only AXI Card Tarjeta y Credito.
- Loan amount is higher at Plazo ES: €500 to €5,000 vs up to €1,500.
- Term is higher at Plazo ES: 48 months vs 1 month.
- Support channels: only Plazo ES offers Chat.
- Features: only Plazo ES offers Same day funding.
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.
Plazo ES
Plazo ES suits Spanish residents with a good credit history who want a small personal loan or a revolving credit line funded within minutes. Its 24.19% annual cost is high next to cheaper lenders, so the total repaid over 48 instalments is the figure to weigh.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Plazo ES |
|---|---|---|
| Cost | 8.8HigherAPR of 21.59% against a site median of 12%, offset by 0 EUR (card issuance and annual maintenance) covering card issuance and annual maintenance. | 8.724.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. |
| Trust | 9.2Higher | 8.7 |
Choosing between them
Pick AXI Card Tarjeta y Credito if trust, apr, and free early repayment matter most.
Pick Plazo ES if offer, loan amount, and term matter most.
Sources behind this comparison
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Plazo ES
- plazo.es: 21 facts, checked September 26, 2026
How they place
| Ranking | AXI Card Tarjeta y Credito | Plazo ES |
|---|---|---|
| Personal loans | 38 of 1932 | 20 of 1932 |
| Lines of credit | 8 of 328 | 1 of 328 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Plazo ES |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Credit line, Same day fundingCovers more |
| Legal entity | Access Finance SL | IDFinance Plazo, S.L.U. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2021 |
| Support channels | Phone, Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Plazo ES | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 24.19%highest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | €500 to €5,000lowest quarter | €40,000 |
| Term | 1 monthlowest quarter | 48 monthsbelow the median | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
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.
Plazo ES
Pros
- The approval answer arrives in minutes and the money is available in your account shortly after you sign up, so a cost that cannot wait can be covered the same day.
- The origination fee is 0 EUR on the personal loan and the credit line, so the cost sits in the rate rather than in a setup charge.
- The rate is fixed, so an instalment does not rise when market rates move.
Cons
- The annual cost of 24.19% sits well above 12% for the median brand on the site, so the interest does most of the work in what you repay.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not bring the cost down, while 81.2% of the brands compared do offer it.
- Applications run a hard credit check, so an outcome here can also weigh on other credit applications you make.
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.
Plazo ES
Who it suits
- Adults living in Spain with a DNI/NIE or a European passport, demonstrable income and a good credit history.
- Borrowers who want both a personal loan and a revolving credit line from the same firm, since the range covers personal and credit line.
- People who can carry a 24.19% annual cost and value money in the account within minutes of signing up.
Who should look elsewhere
- Readers chasing a lower annual cost, since Monzo Flex quotes 10% to 23% against 24.19%.
- Borrowers who plan to finish early, since free early repayment is not offered here while most of the site comparison does offer it.
- Anyone needing a sum above €500 to €5,000, where Cashspace at PHP 12 to PHP 36 is set in a different currency and market.
Current offers
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands
Only when paying with the Plazo card; subject to meeting eligibility conditions and validity of the offers
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Plazo ES |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | 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.
Plazo ES
What does borrowing from Plazo ES cost?+
Plazo ES charges an annual cost of 24.19% on a fixed basis, and the origination fee is 0 EUR, so there is no setup charge to add. The published representative example is a revolving credit line repaid in 48 monthly instalments, and the total due comes to noticeably more than the amount drawn. That gap is the real cost to weigh.
Is Plazo ES a regulated lender?+
Plazo ES is a direct lender listed with Banco de España under 6899, so a Spanish supervisor is responsible for how it conducts that business. A loan is a borrowing contract rather than a savings account, so what you owe comes from the published terms, and the register entry is the detail worth checking before you sign.
Other options to compare
Other matchups
- Plazo ES vs Oney Préstamos ES
- Plazo ES vs Sofkredit
- Plazo ES vs Prestamiau ES
- Plazo ES vs Fidea
- AXI Card Tarjeta y Credito vs Multitude Bank p.l.c
- AXI Card Tarjeta y Credito vs Qonto ES
- Plazo ES vs Fiesta Credito
- Plazo ES vs Fiesta Credito MX
- 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