Updated September 28, 2026 · BorrowCue Editorial Team
AXO Finans vs BBVA TDC
Where AXO Finans and BBVA TDC differ
| Compare |  AXO Finans |  BBVA TDC |
|---|---|---|
| APR | 4.59% to 57.26%Lower | 25.75% to 39.95% |
| Loan amount | SEK 5,000 to SEK 800,000 | MX$3,000 to MX$1,500,000 |
| Term | 12 to 180 monthsHigher | 6 to 72 months |
| Arrangement fee | 0-495 SEK arrangement fee (invoice fee 0-50 SEK) | 2.75% + IVA of the credit amount, charged once at origination |
| 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 | Prestamo Personal Inmediato: CAT promedio ponderado 36.1% sin IVA informativo; fixed annual interest rate 25.75% to 39.95% without VAT |
| 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 | BBVA customer (deposit account or credit card), age 18-84, age plus term not more than 84 years and 364 days, good credit history, valid pre-approved offer |
| Loan types | Personal, Debt consolidationCovers more | Personal |
| Funding time | Same day: paid directly to your account by the lender after BankID signing | Not confirmed |
| Origination fee (%) | Not confirmed | 2.75% |
| Credit needed | Not confirmed | Good |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- BBVA TDC scores higher overall: 9.1 vs 9.0.
- Founded is lower at BBVA TDC: 1932 vs 2008.
- AXO Finans is available in 1 more country.
- APR is lower at AXO Finans: 4.59% to 57.26% vs 25.75% to 39.95%.
- Term is higher at AXO Finans: 12 to 180 months vs 6 to 72 months.
- Loan types: only AXO Finans offers Debt consolidation.
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.
BBVA TDC
BBVA TDC lends directly to existing customers in Mexico, so the way in runs through a deposit account or credit card you already hold. Costs sit at the wide end though, with interest of 25.75% to 39.95% and an origination charge of 2.75% on top.
Score breakdown
| Area | AXO Finans | BBVA TDC |
|---|---|---|
| Cost | 9.3Higher | 8.7Fixed annual interest rate 25.75% to 39.95%, plus an origination fee of 2.75% plus IVA charged once at origination. |
| Offer | 9.1HigherFees 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. | 8.9 |
| Trust | 8.6 | 9.6Higher |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
AXO Finans
723.38 to 11,122.22
723.38 to 11,122.22
BBVA TDC
4,456.72 to 7,309.15
4,456.72 to 7,309.15
AXO Finans comes out 3,733.34 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 4.59% to 57.26% for AXO Finans and 25.75% to 39.95% for BBVA TDC.
Prestamiau ES reviewHow they place
| Ranking | AXO Finans | BBVA TDC |
|---|---|---|
| Personal loans | 661 of 1920 | 528 of 1920 |
Every fact side by side
| Fact | AXO Finans | BBVA TDC |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Axo Finans AB | BBVA Mexico, S.A., Institucion de Banca Multiple, Grupo Financiero BBVA Mexico |
| Headquarters | Sweden | Mexico |
| Founded | 2008 | 1932Lower |
| Support channels | Email, Phone, Help centre | Help centre, Phone, Email |
Where each stands against the rest
| Fact | AXO Finans | BBVA TDC | Median |
|---|---|---|---|
| APR | 4.59% to 57.26%below the median | 25.75% to 39.95%highest quarter | 8.99 |
| Term | 12 to 180 monthshighest quarter | 6 to 72 monthsabove the median | 60 |
| Origination fee (%) | Not confirmed | 2.75%highest quarter | 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.
BBVA TDC
Pros
- Fixed annual interest rate of 25.75% to 39.95% that does not reset
- Free early repayment, so settling early costs nothing extra
- Loans of MXN 3,000 to MXN 1,500,000 over terms of 6 to 72
Cons
- Interest of 25.75% to 39.95% sits well above the site median of 12%
- An arrangement fee of 2.75% plus IVA of the credit amount is charged once at origination
- A hard credit check, and the credit needed is good
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.
BBVA TDC
Who it suits
- Adults with a BBVA Mexico deposit account or credit card
- Borrowers with good credit history and a valid pre-approved offer
- Anyone comfortable with a fixed rate and paying a fee up front
Who should look elsewhere
- Monzo Flex, where interest runs at 10% to 23% for customers who can access it
- Cashspace, listed at PHP 12 to PHP 36
- Applicants without a good credit history or a pre-approved offer
Current offers
BBVA TDC
Current offer
Discount code
Auto nuevo sin comision por apertura (new car, 0% opening commission): 0% comision por contratacion
Home page states it applies during this promo month for any car brand, via BBVA auto loan
Source, checked September 26, 2026
Country by country
| Country | AXO Finans | BBVA TDC |
|---|---|---|
| Mexico | 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.
BBVA TDC
What rate will I pay on a BBVA TDC personal loan?+
The fixed annual interest rate is 25.75% to 39.95%, so the rate is set when the loan is agreed and does not move afterwards. The published representative example for Prestamo Personal Inmediato pairs a weighted average CAT with the same band, without VAT. Compare that against the site median of 12% for personal loans.
What does the arrangement fee cost?+
An arrangement fee of 2.75% plus IVA of the credit amount is charged once, at origination. It is a one-off rather than a recurring cost, so it adds to the first payment rather than every instalment. Borrowers should add it to their total repayment when weighing affordability.