Updated September 28, 2026 · BorrowCue Editorial Team
Brixo Privatlån vs MoneyCat
What sets them apart
| Compare |  Brixo Privatlån |  MoneyCat |
|---|---|---|
| APR | 19.95%Lower | 145% |
| Loan amount | SEK 10,000 to SEK 200,000 | ₱500 to ₱20,000 |
| Term | 36 to 90 months | 65 to 180 monthsHigher |
| Arrangement fee | 475 SEK setup fee plus 25 SEK monthly administration fee | First-time borrower 0 PHP processing fee; grace period fee 77 PHP |
| Funding time | Same day the application is approved, by Swish or bank transfer, at latest the next banking day | 5 minutes after approval, up to 6 PM on the following banking day |
| Eligibility | Over 21 years old, annual income of at least 200 000 SEK, Swedish bank account and BankID, registered in Sweden, no current debt enforcement debts (payment remarks accepted) | 22-60 years old, Filipino citizens residing in the Philippines, employed individuals and selected professionals |
| Loan types | Personal, Debt consolidation | Personal, Payday |
| Representative example | Example loan 100 000 SEK repaid with 2 185 SEK per month over 90 months, effective annual rate 22.6 %, total cost 96 650 SEK, total to repay 196 650 SEK | Not confirmed |
| Rate type | Variable | Not confirmed |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (Yes).
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Key differences
- APR is lower at Brixo Privatlån: 19.95% vs 145%.
- Term is higher at MoneyCat: 65 to 180 months vs 36 to 90 months.
- Loan types: only Brixo Privatlån offers Debt consolidation.
- Loan types: only MoneyCat offers Payday.
Our verdict on each
Brixo Privatlån
Brixo Privatlån suits Swedish adults with a steady income who want a straightforward personal loan for home improvement, with money often landing the same day it is approved. The cost of that speed is real: an APR of 19.95% on a variable rate sits well above many personal loans here.
MoneyCat
MoneyCat lends directly in the Philippines to employed adults and selected professionals, and it suits anyone who needs a small personal or payday loan turned around fast. Borrowing costs more here than on most of the market, with an APR of 145% against a site median of 12%.
Score breakdown
| Area | Brixo Privatlån | MoneyCat |
|---|---|---|
| Cost | 8.8HigherAPR of 19.95% plus 475 SEK setup fee plus 25 SEK monthly administration fee on a variable rate leaves the repayment heavy. | 8.6 |
| Offer | 9.4Higher | 9.0 |
| Trust | 8.9 | 9.2Higher |
Where they rank in our lists
| Ranking | Brixo Privatlån | MoneyCat |
|---|---|---|
| Personal loans | 683 of 1920 | 731 of 1920 |
Ranges side by side
| Fact | Brixo Privatlån | MoneyCat |
|---|---|---|
| Term | 36 to 90 months | 65 to 180 months |
Every fact side by side
| Fact | Brixo Privatlån | MoneyCat |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Brixo AB (org.nr. 556978-9273) | MoneyCat Financing Inc. |
| Headquarters | Sweden | Philippines |
| Founded | 2014 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Brixo Privatlån | MoneyCat | Median |
|---|---|---|---|
| APR | 19.95%highest quarter | 145%highest quarter | 8.99% |
| Term | 36 to 90 monthsabove the median | 65 to 180 monthshighest quarter | 60 |
Median across 1152 listed lenders.
Pros and cons
Brixo Privatlån
Pros
- Same day funding once an application is approved, by Swish or bank transfer, and free early repayment on the loan.
- Borrowing runs SEK 10,000 to SEK 200,000 over a term of 36 to 90, with personal and debt consolidation loans listed.
- A hard credit check and a fair credit profile are what the lender asks for, so approval is decided on a real credit file.
Cons
- An APR of 19.95% on a variable rate is high next to cheaper personal loans on the site.
- A setup fee plus a monthly administration fee in 475 SEK setup fee plus 25 SEK monthly administration fee adds a fixed cost on top of the interest.
- The minimum term of 36 to 90 rules out short borrowing, so extra interest compounds for longer.
MoneyCat
Pros
- As a direct lender, the money comes from MoneyCat Financing Inc. itself rather than a third party.
- Same-day funding: same day funding, with money released within minutes of approval or by the following banking day.
- Early repayment is free, and a first-time borrower pays no processing fee.
Cons
- The 145% rate leaves MoneyCat ranked 330 of 350 brands on APR, so cost is the price of the speed.
- hard credit checks run on every application, so a decline still shows on your credit record.
- A grace period fee applies, so a covered payment costs extra even though processing is free for a first-time borrower.
Who each suits
Brixo Privatlån
Who it suits
- Adults registered in Sweden with a Swedish bank account and BankID, and a high enough annual income for the lender's criteria
- Borrowers who already have payment remarks but no current debt enforcement debts, and want that treated as workable
- People planning a home improvement project who value same day funding and free early repayment over the lowest rate
Who should look elsewhere
- Anyone hunting for the cheapest borrowing, since 19.95% is well above the site median of 12%
- Borrowers who need a fixed rate, because this loan runs on a variable rate
- Anyone who cannot meet the income requirement, or who needs a loan below SEK 10,000 to SEK 200,000
MoneyCat
Who it suits
- Employed adults and selected professionals who are Filipino citizens residing in the Philippines.
- Borrowers who need a small personal or payday loan and can clear a hard credit check.
- Anyone who can settle early, since 65 to 180 repayments need not all run their full course.
Who should look elsewhere
- Cost-first borrowers: Monzo Flex lends at 10% to 23%, well below the 145% here.
- Anyone after interest-free terms: Cashspace ES lists 0%.
- Borrowers needing a larger sum or longer term than PHP 500 to PHP 20,000 and 65 to 180 allow.
Current offers
MoneyCat
Current offer
First period offer
First loan for FREE: 0% interest, 0 PHP processing fee
First loan for first-time borrowers; 0% interest and no processing fee, advertised on the loan calculator
Source, checked September 26, 2026
Country by country
| Country | Brixo Privatlån | MoneyCat |
|---|---|---|
| Philippines | No | Yes |
| Sweden | Yes | No |
Questions about each
Brixo Privatlån
What rate do I pay on a Brixo personal loan?+
The stated rate is an APR of 19.95%, and the interest rate is variable, so it can move. The representative example shows a higher effective annual rate than the headline figure once the schedule of repayments is taken into account.
What fees sit on top of the interest?+
There is a setup fee and a monthly administration fee, together listed as 475 SEK setup fee plus 25 SEK monthly administration fee. On a short loan those fixed charges weigh heavily, so ask for the total cost before you sign.
MoneyCat
What rate does MoneyCat charge?+
The stated APR is 145%, which is high next to a site median of 12%. The rate applies to the personal and payday loans alike, so cost is the main thing to weigh before applying. Borrow for as short a time as possible, since interest builds on the balance outstanding.
How much can I borrow, and over what term?+
Loan amounts run PHP 500 to PHP 20,000, and repayment terms run 65 to 180. That range suits a shortfall or an emergency rather than a major purchase, a car or a home. A longer term spreads the payments but keeps the interest running, so the total cost depends as much on the term you pick as on the rate.