Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Smava
AXI Card Tarjeta y Credito vs Smava: the differences
| Compare |  AXI Card Tarjeta y Credito |  Smava |
|---|---|---|
| APR | 21.59% | -0.4% to 19.9%Lower |
| Loan amount | up to €1,500 | €1,000 to €120,000Higher |
| Term | 1 month | 6 to 120 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Immediate: credit line available on card activation | Within a few working days; with digital account check and video ident some banks disburse the same day |
| 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%) | Ratenkredit: EUR 50,000 net loan, 60 months, 8.70% effective annual rate, 60 monthly instalments of EUR 1,022.73, total EUR 61,363.57, Vereinigte Volksbank Raiffeisenbank eG |
| Lender type | Direct lender | Marketplace |
| 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 | At least 18 years old, main residence in Germany, current account at a German bank, regular income, sufficient creditworthiness |
| Loan types | Credit line, Personal | Personal, Car, Debt consolidation, Business |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), 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 Smava: -0.4% to 19.9% vs 21.59%.
- Free early repayment: only AXI Card Tarjeta y Credito.
- Loan amount is higher at Smava: €1,000 to €120,000 vs up to €1,500.
- Term is higher at Smava: 6 to 120 months vs 1 month.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only Smava offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Smava offers Car, Debt consolidation, Business.
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.
Smava
Smava suits German borrowers who want one comparison across personal, car, consolidation and business loans, plus home finance, without paying a setup fee. It scores 6 overall, with -0.4% to 19.9% on loans and 3.2% on home finance, but early repayment is not free.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| 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. | 9.1HigherAmounts of €1,000 to €120,000, rates of -0.4% to 19.9%, no origination fee of 0 EUR and same day funding. |
| Trust | 9.2Higher | 8.5 |
Pick AXI Card Tarjeta y Credito if, pick Smava if
Pick AXI Card Tarjeta y Credito if trust and free early repayment matter most.
Pick Smava if cost, offer, apr, loan amount, and term matter most.
Availability and regulation
| Country | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Bulgaria | Not confirmed | |
| Germany | Not confirmed |
Additional countries for AXI Card Tarjeta y Credito: 2. Additional countries for Smava: 1.
What each covers
| Loan types | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
| Business | No | Yes |
Also worth a look
Absa Ghana Instant Loan has apr at -3% to 20%, against 21.59% for AXI Card Tarjeta y Credito and -0.4% to 19.9% for Smava.
Absa Ghana Instant Loan reviewHow they place
| Ranking | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Personal loans | 38 of 1920 | 122 of 1920 |
| Loans for bad credit | 25 of 276 | 63 of 276 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | smava GmbH (HRB 97913, Amtsgericht Charlottenburg) |
| Headquarters | Spain | Germany |
| Founded | Not confirmed | 2007 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Mortgages
| Fact | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Initial rate | Not confirmed | 3.2% |
| APRC | Not confirmed | 3.2% |
| Fixed period | Not confirmed | 10 years |
| Maximum loan to value | Not confirmed | 110% |
| Product fee | Not confirmed | €0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Smava | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | -0.4% to 19.9%lowest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | €1,000 to €120,000highest quarter | €40,000 |
| Term | 1 monthlowest quarter | 6 to 120 monthshighest quarter | 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.
Smava
Pros
- Loan amounts run €1,000 to €120,000 with terms of 6 to 120
- Loan types cover personal, car and debt consolidation in one comparison
- A soft prequalification credit check (soft prequal) means you can check rates before a full application
Cons
- Free early repayment: no, so paying a loan off early carries a cost
- Credit needed is fair, and eligibility also requires a German bank account and regular income
- A marketplace, so the rate you get depends on which partner bank responds and the final offer comes from them
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.
Smava
Who it suits
- Adults in Germany with a current account at a German bank and regular income
- Anyone consolidating debts, funding a car or improving a home who wants to compare offers rather than one lender
- Borrowers who want a fixed rate over 6 to 120 on a personal loan
Who should look elsewhere
- People who want to repay a loan early at no cost
- Borrowers without regular income or a German current account
- Anyone needing a variable-rate loan, since the model is fixed rate
Current offers
Smava
Current offer
Bonus
500 EUR Amazon.de voucher on taking out a loan: 500 EUR Amazon.de voucher
Loan of at least EUR 30,000 concluded via the 'Zum Kreditvergleich mit Gutschein' button only; voucher sent by email after the 14-day withdrawal period has passed; restrictions apply per amazon.de/gc-legal
Source, checked September 26, 2026
Discount code
Cheaper-goes-does-not-exist guarantee: One-off compensation of the difference if a comparable domestic bank offer is cheaper
Applies to loans brokered via smava; amount follows the offers received in the smava credit comparison, stated without hidden conditions
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Smava |
|---|---|---|
| Bulgaria | Yes | No |
| Germany | 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.
Smava
What does Smava charge for setting up a loan?+
There is no origination fee on the personal loan: the arrangement fee is 0 EUR, and the product fee is €0. What you pay instead is interest on the borrowed amount, which is priced at -0.4% to 19.9% for your own profile.
How much can I borrow and over what term?+
Loan amounts run €1,000 to €120,000, and terms run 6 to 120. The rate model is fixed, so the figure you are offered is set at the start and does not drift with market moves.
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