Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Vivus ES
Where AXI Card Tarjeta y Credito and Vivus ES differ
| Compare |  AXI Card Tarjeta y Credito |  Vivus ES |
|---|---|---|
| APR | 21.59% | 0% to 3,752.4%Lower |
| Loan amount | up to €1,500Higher | €50 to €1,400 |
| Term | 1 month | 7 to 30 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 EUR |
| Funding time | Immediate: credit line available on card activation | up to 15 minutes after approval |
| 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%) | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| 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 | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Credit line, Personal | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Fair | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- AXI Card Tarjeta y Credito is available in 1 more country.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 21.59%.
- Free early repayment: only AXI Card Tarjeta y Credito.
- Loan amount is higher at AXI Card Tarjeta y Credito: up to €1,500 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 1 month.
- Features: only Vivus ES offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Vivus ES offers Payday.
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.
Vivus ES
Vivus ES suits adults in Spain covering a short gap who need money the same day and will clear the balance fast. The catch is price: the representative example shows an annual cost that would dwarf a longer personal loan, and free early repayment is no.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| 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. | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 8.8Higher |
| Trust | 9.2Higher | 8.9 |
Where they rank in our lists
| Ranking | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| Personal loans | 38 of 1932 | 25 of 1932 |
| Lines of credit | 8 of 328 | 3 of 328 |
Where each is licensed and available
| Country | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| Bulgaria | Not confirmed |
Available in 1 country for both. Additional countries for AXI Card Tarjeta y Credito: 1.
Side by side, item by item
| Loan types | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Credit line | Yes | No |
From lowest to highest
| Fact | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| Loan amount | up to €1,500 | €50 to €1,400 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Access Finance SL | Vivus Financial Services, S.A.U. |
| Headquarters | Spain | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Vivus ES | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | up to €1,500lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 1 monthlowest quarter | 7 to 30 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.
Vivus ES
Pros
- No origination charge, with fees of 0 EUR and 0% on payday and personal loans
- Funding lands up to 15 minutes after approval, so a same day loan is realistic
- Direct lender, so direct lender means you deal with one company from application to repayment
Cons
- APR reaches 0% to 3,752.4%, and the representative example pairs a small loan with a very high annual cost
- Free early repayment is no, so settling early does not earn a rebate
- Loan amounts top out at €50 to €1,400, which limits what the product can cover
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.
Vivus ES
Who it suits
- Adults living in Spain with a Spanish bank account and no pending payments or debts
- Borrowers facing a short term expense they can clear within 7 to 30
- People who value quick access to cash more than a long term
Who should look elsewhere
- Anyone planning to carry the balance for a long period, since free early repayment is no and APR runs to 0% to 3,752.4%
- Borrowers who want a large sum, because amounts stop at €50 to €1,400
- Those who need a soft check, since the credit search here is hard
Current offers
Vivus ES
Current offer
First period offer
Primer prestamo de hasta 300 EUR sin intereses ni comisiones: 300 EUR, TAE 0%
Only for a first loan, repaid within a maximum of 30 days; approval subject to the lender's criteria
Source, checked September 26, 2026
Country by country
| Country | AXI Card Tarjeta y Credito | Vivus 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.
Vivus ES
How much does a Vivus ES loan cost?+
The annual percentage rate runs from 0% to 3,752.4%, and the representative example shows a small loan over a single term generating a large slice of interest on top of the amount borrowed. There is no origination charge, since fees are 0 EUR and 0%. Cost is driven by the rate and the short term rather than by upfront charges.
Is there a fee for taking out a Vivus ES loan?+
No origination fee is listed: the fee is 0 EUR with a percentage of 0% for both the payday and personal loan. You still pay interest on top, and the representative example shows how much the rate adds to a small loan taken over a short term. Read the annual figure before borrowing, because that is where the cost sits.
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