Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Sambla
Where AXI Card Tarjeta y Credito and Sambla differ
| Compare |  AXI Card Tarjeta y Credito |  Sambla |
|---|---|---|
| APR | 21.59% | 7.92% to 13.24%Lower |
| Loan amount | up to €1,500 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Immediate: credit line available on card activation | Usually 1-3 days from signing to payout |
| 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%) | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Rate type | Fixed | Variable |
| 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 | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Credit line, Personal | Personal, Debt consolidation, Car, Secured |
| Term | 1 month | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Credit needed (Fair).
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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 Sambla: 7.92% to 13.24% vs 21.59%.
- Support channels: only Sambla offers Chat.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Sambla offers Debt consolidation, Car, 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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Sambla |
|---|---|---|
| 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. | 9.1Higher |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 9.2Higher | 8.4 |
Which one suits you
Pick AXI Card Tarjeta y Credito if trust matter most.
Pick Sambla if cost, offer, and apr matter most.
How they place
| Ranking | AXI Card Tarjeta y Credito | Sambla |
|---|---|---|
| Personal loans | 38 of 1920 | 844 of 1920 |
| Loans for bad credit | 25 of 276 | 187 of 276 |
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | Sambla |
|---|---|---|
| Bulgaria | Not confirmed | |
| Sweden | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Sambla: 1.
If neither fits
Prestamiau ES has apr at 0% to 36%, against 21.59% for AXI Card Tarjeta y Credito and 7.92% to 13.24% for Sambla.
Prestamiau ES reviewWhat we checked
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Sambla
- sambla.se: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Sambla |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Not confirmed |
| Legal entity | Access Finance SL | Sambla Group AB |
| Headquarters | Spain | Sweden |
| Founded | Not confirmed | 2014 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Sambla | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 7.92% to 13.24%below the median | 8.99% |
| Term | 1 monthlowest quarter | Not confirmed | 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.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
Country by country
| Country | AXI Card Tarjeta y Credito | Sambla |
|---|---|---|
| Bulgaria | Yes | No |
| Spain | Yes | No |
| Sweden | 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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.
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