Updated September 28, 2026 · BorrowCue Editorial Team
AXI Card Tarjeta y Credito vs Zmarta Norge
What sets them apart
| Compare |  AXI Card Tarjeta y Credito |  Zmarta Norge |
|---|---|---|
| APR | 21.59% | 15.52%Lower |
| Loan amount | up to €1,500 | NOK 5,000 to NOK 800,000 |
| Term | 1 month | 12 to 60 monthsHigher |
| Arrangement fee | 0 EUR (card issuance and annual maintenance) | 0 NOK |
| Funding time | Immediate: credit line available on card activation | Money in account within 1-5 business days after signing |
| 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%) | Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK |
| 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 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks |
| Loan types | Credit line, Personal | Personal, Debt consolidation, Car |
| Credit needed | Fair | Good |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- AXI Card Tarjeta y Credito scores higher overall: 9.0 vs 8.8.
- APR is lower at Zmarta Norge: 15.52% vs 21.59%.
- Term is higher at Zmarta Norge: 12 to 60 months vs 1 month.
- Support channels: only Zmarta Norge offers Chat.
- Features: only AXI Card Tarjeta y Credito offers Credit line.
- Features: only Zmarta Norge offers Same day funding.
- Loan types: only AXI Card Tarjeta y Credito offers Credit line.
- Loan types: only Zmarta Norge offers Debt consolidation, Car.
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.
Zmarta Norge
Zmarta Norge suits Norwegian adults with a good credit record who want a big loan, offering borrowing of NOK 5,000 to NOK 800,000 across personal, debt-consolidation and car lending. The trade-off is the rate, and 15.52% is the number to weigh before you apply.
Score breakdown
| Area | AXI Card Tarjeta y Credito | Zmarta Norge |
|---|---|---|
| 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. | 8.6APR ranks 223 of 350, so a 0 NOK fee does not make the total cheap. |
| Offer | 8.7A credit line product with Immediate: credit line available on card activation and a fair credit bar for applicants. | 9.3Higher |
| Trust | 9.2Higher | 8.7 |
Side by side, item by item
| Loan types | AXI Card Tarjeta y Credito | Zmarta Norge |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
What we checked
AXI Card Tarjeta y Credito
- axi-card.es: 18 facts, checked September 26, 2026
Zmarta Norge
- zmarta.no: 17 facts, checked September 26, 2026
How they place
| Ranking | AXI Card Tarjeta y Credito | Zmarta Norge |
|---|---|---|
| Personal loans | 38 of 1920 | 953 of 1920 |
Every fact side by side
| Fact | AXI Card Tarjeta y Credito | Zmarta Norge |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding |
| Legal entity | Access Finance SL | Zmarta AS |
| Headquarters | Spain | Norway |
| Founded | Not confirmed | 1999 |
| Support channels | Phone, Email, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | AXI Card Tarjeta y Credito | Zmarta Norge | Median |
|---|---|---|---|
| APR | 21.59%highest quarter | 15.52%above the median | 8.99% |
| Term | 1 monthlowest quarter | 12 to 60 monthsat the median | 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.
Zmarta Norge
Pros
- The arrangement fee is 0 NOK, so nothing is charged to set the loan up.
- Loans run NOK 5,000 to NOK 800,000, enough for home improvement, and the lending covers personal, debt consolidation and car.
- Speed is a selling point: same day funding, with money reaching your account Money in account within 1-5 business days after signing.
Cons
- The rate of 15.52% is the sticking point, and it sits above plenty of rivals on the list.
- Applications run a hard credit search, hard, so a rejection is recorded on your file.
- Eligibility is narrow: adults, an income above a set threshold and a number of years taxed in Norway, and any registered payment remark counts against the application.
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.
Zmarta Norge
Who it suits
- Norwegian adults with good credit who need a large sum for home improvement.
- People comfortable applying through a broker rather than going straight to a bank.
- Borrowers who want to talk to someone, with email, phone and chat on offer.
Who should look elsewhere
- Anyone chasing the lowest rate should check Monzo Flex, whose APR runs 10% to 23%.
- Readers comparing wider rate spreads can look at Cashspace, listed at PHP 12 to PHP 36.
Country by country
| Country | AXI Card Tarjeta y Credito | Zmarta Norge |
|---|---|---|
| Bulgaria | Yes | No |
| Norway | No | Yes |
| 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.
Zmarta Norge
What can I use a Zmarta Norge loan for?+
Personal loans, debt consolidation and car finance are all covered, as personal, debt consolidation and car shows. Borrowing runs NOK 5,000 to NOK 800,000, and home improvement is the named use: home improvement. Repayment terms run 12 to 60, so a larger balance can be spread over a longer window instead of one short term.
What does a Zmarta Norge loan cost?+
The arrangement fee is 0 NOK, and the rate is 15.52%. The representative example pairs a nominal rate with an effective rate above it, and shows a total repaid noticeably higher than the amount borrowed. Costs build up the longer a balance is carried, so the term you pick changes the overall price.
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