Updated September 28, 2026 · BorrowCue Editorial Team
AXO Finans vs Bank Neo Commerce
What sets them apart
| Compare |  AXO Finans | Bank Neo Commerce ReviewSee alternativesSee alternatives |
|---|---|---|
| Loan amount | SEK 5,000 to SEK 800,000 | IDR 100,000,000 |
| Term | 12 to 180 monthsHigher | 12 months |
| Arrangement fee | 0-495 SEK arrangement fee (invoice fee 0-50 SEK) | Rp 0 (no admin fee) |
| Funding time | Same day: paid directly to your account by the lender after BankID signing | Disbursed directly to the customer's account after approval |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Eligibility | Lenders set their own age minimum, require registration as resident in Sweden and stable income from work, pension or benefit | Open to all Bank Neo Commerce customers; individual who needs quick funds for daily or emergency needs |
| Loan types | Personal, Debt consolidation | Personal, Business |
| APR | 4.59% to 57.26% | Not confirmed |
| Credit check | Hard | Not confirmed |
| Representative example | Privatlån 150 000 SEK over 120 months at variable nominal 6.95% (effective 7.18%): 1 738 SEK/month, 208 532 SEK total, no arrangement fee | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Bank Neo Commerce scores higher overall: 9.5 vs 9.0.
- Founded is lower at Bank Neo Commerce: 1990 to 2020 vs 2008.
- AXO Finans is available in 1 more country.
- Term is higher at AXO Finans: 12 to 180 months vs 12 months.
- Support channels: only Bank Neo Commerce offers Chat.
- Loan types: only AXO Finans offers Debt consolidation.
- Loan types: only Bank Neo Commerce offers Business.
Our verdict on each
AXO Finans
A Swedish broker for borrowers who want a personal loan or debt consolidation without choosing a lender first. AXO Finans passes the application to several lenders, and money can sit in your account the same day, with loan amounts of SEK 5,000 to SEK 800,000 available from the panel.
Bank Neo Commerce
Bank Neo Commerce suits existing customers in ID who want funds the same day and a loan that costs nothing to arrange, with Rp 0 (no admin fee). Its cost score of 7.3 sits above the 6.5 overall mark, though the 12 term and customer-only eligibility keep the fit narrow.
Score breakdown
| Area | AXO Finans | Bank Neo Commerce |
|---|---|---|
| Cost | 9.3 | 9.5Higher |
| Offer | 9.1Fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK) and an APR of 4.59% to 57.26% on a variable rate keep the offer mid-range. | 9.6Higher |
| Trust | 8.6 | 9.4Higher |
Side by side, item by item
| Loan types | AXO Finans | Bank Neo Commerce |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Business | No | Yes |
Positions in our rankings
| Ranking | AXO Finans | Bank Neo Commerce |
|---|---|---|
| Personal loans | 661 of 1920 | 258 of 1920 |
Every fact side by side
| Fact | AXO Finans | Bank Neo Commerce |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Axo Finans AB | PT Bank Neo Commerce Tbk |
| Headquarters | Sweden | Indonesia |
| Founded | 2008 | 1990 to 2020Lower |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | AXO Finans | Bank Neo Commerce | Median |
|---|---|---|---|
| APR | 4.59% to 57.26%below the median | Not confirmed | 8.99 |
| Term | 12 to 180 monthshighest quarter | 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
AXO Finans
Pros
- Money can arrive the same day, paid directly into your account after you sign with BankID.
- Early repayment is free, so clearing the balance ahead of schedule adds no fee.
- It is a broker rather than a lender, so offers come from several lenders on the panel.
Cons
- The credit check is hard, so every application is judged on the full credit file.
- The rate type is variable, so the cost of the loan can move during the term.
- An arrangement fee sits at the top of fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), so a loan here is not always fee free.
Bank Neo Commerce
Pros
- The arrangement fee is Rp 0 (no admin fee) and the fee percentage is 0%, so there is no charge to set the loan up.
- Same-day funding is in its feature list (same day funding), and approved money goes straight into the customer's own account.
- It is a direct lender (direct lender) covering both personal and business borrowing.
Cons
- You must already hold a Bank Neo Commerce account to qualify, so a new borrower has to bank there first.
- The term is a fixed 12 with no longer repayment window listed, so the schedule is tight.
- Covered lending runs to personal and business types, with no debt consolidation or credit line in the range.
Who each suits
AXO Finans
Who it suits
- Borrowers registered as residents in Sweden with a stable income from work, a pension or a benefit.
- Anyone after a personal loan or debt consolidation, including home improvement borrowing.
- People who want the money in their own account the same day and can sign with BankID.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% covers a narrower band than 4.59% to 57.26% here.
- Cashspace, whose listed APR of PHP 12 to PHP 36 is quoted in another currency and a different range.
Bank Neo Commerce
Who it suits
- Existing Bank Neo Commerce customers in ID covering an everyday or urgent cost.
- Micro business owners looking for a fast payout, who already bank with the provider.
- Borrowers who want the same-day funding listed as same day funding on a fixed rate.
Who should look elsewhere
- Monzo Flex, if a sterling facility offering £10,000 to £35,000 suits you better.
- Cashspace ES, if a euro range of €100 to €5,000 matches the size of your need.
- Cashspace, if a different market and range of PHP 500 to PHP 25,000 fit your plan better than rupiah.
Country by country
| Country | AXO Finans | Bank Neo Commerce |
|---|---|---|
| Indonesia | No | Yes |
| Norway | Yes | No |
| Sweden | Yes | No |
Questions about each
AXO Finans
What fees does AXO Finans charge?+
A loan arranged through AXO Finans carries fees of 0-495 SEK arrangement fee (invoice fee 0-50 SEK), depending on which lender you are matched with. The representative example on the personal loan page shows a loan with no arrangement fee, so the fee is a lender choice rather than a flat brand charge. Get the fee in writing from the lender before you sign.
What rate will I pay?+
The APR depends on the lender and on your own profile, and the range shown is 4.59% to 57.26%. The rate type is variable, so the interest is not locked for the whole term. Lenders set their own pricing, so the number you are offered can sit anywhere inside that range.
Bank Neo Commerce
What can I borrow from Bank Neo Commerce?+
The range spans personal and business borrowing, listed as personal and business, and the micro business product is aimed at individuals covering everyday or emergency outgoings. The bank lends in its own name as a direct lender (direct lender) rather than brokering, and you need to be a customer already.
How much can I borrow?+
The published borrowing room is a single figure of IDR 100,000,000, in Indonesian rupiah, rather than a band. A borrower needing less should expect to be assessed on the amount applied for. On loan amount the brand ranks 155 out of 685 on this site.