Updated September 29, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Solcredito
AXI Card Tarjeta y Credito vs Solcredito: the differences
| Compare |  AXI Card Tarjeta y Credito |  Solcredito |
|---|---|---|
| APR | 21.59% | 0% to 3,752%Lower |
| Loan amount | up to €1,500 | €50 to €5,000Higher |
| Term | 1 month | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 EUR |
| Funding time | Immediate: credit line available on card activation | Decision in 15 minutes, money in your bank account within a few 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%) | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees |
| 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 | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) |
| Loan types | Credit line, Personal | Personal, Payday, Debt consolidation, Credit lineCovers more |
| Credit needed | Fair | Poor |
| Credit check | Hard | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
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Key differences
- APR is lower at Solcredito: 0% to 3,752% vs 21.59%.
- Loan amount is higher at Solcredito: €50 to €5,000 vs up to €1,500.
- Term is higher at Solcredito: 3 to 60 months vs 1 month.
- Support channels: only AXI Card Tarjeta y Credito offers Phone.
- Features: only Solcredito offers Same day funding.
- Loan types: only Solcredito offers Payday, Debt consolidation.
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.
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Solcredito |
|---|---|---|
| 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. | 9.9Higher |
| Offer | 8.7HigherA credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 9.2Higher | 8.5 |
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | Solcredito |
|---|---|---|
| Personal loans | 38 of 1932 | 59 of 1932 |
| Loans for bad credit | 25 of 275 | 37 of 275 |
| Lines of credit | 8 of 328 | 9 of 328 |
Choosing between them
Pick AXI Card Tarjeta y Credito if offer and trust matter most.
Pick Solcredito if cost, apr, loan amount, and term matter most.
From lowest to highest
| Fact | AXI Card Tarjeta y Credito | Solcredito |
|---|---|---|
| Loan amount | up to €1,500 | €50 to €5,000 |
A third option
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 Solcredito.
FINANZCHECK.de reviewWhat we checked
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Solcredito
- solcredito.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Solcredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Fiizy OU (registration code 12694462) |
| Headquarters | Spain | Estonia |
| Founded | Not confirmed | 2011 |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Solcredito | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 0% to 3,752%lowest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | €50 to €5,000lowest quarter | €40,000 |
| Term | 1 monthlowest quarter | 3 to 60 monthsat 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.
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line 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.
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
Current offers
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Solcredito |
|---|---|---|
| Bulgaria | Yes | No |
| Mexico | No | Yes |
| 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.
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
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