Axos Bank Auto Loans
Axos Bank Auto Loans
in Auto Loans from Axos Bank

Axos Bank Auto Loans

in Auto Loans from Axos Bank
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Autopay Auto Loan
Autopay Auto Loan 61 reviews
Credit Score Range 680 - 850
Loan Amount $8,500 - $90,000
APR  (Fixed APR) 4.45% - 18%
Loan Term (Months) 12 - 84 months

Axos Bank Auto Loans Review

Axos Bank Auto Loans is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank Auto Loans are available in 50 states (and Washington, DC).

Axos Bank auto loans FAQ

How much can you borrow via Axos Bank auto loans?

Axos Bank auto loans loan amounts start at $8,500 and go up to $90,000.

What APR does Axos Bank auto loans offer on its car loans?

Axos Bank auto loans offers a fixed apr car loan product that ranges from 4.45% APR up to 18% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Axos Bank auto loans?

Axos Bank auto loans has car loans with terms ranging from 12 to 84 months. Having the option of longer terms -- terms can range up to 144 months -- allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your auto loan, the more interest you will pay.

Does Axos Bank auto loans charge an origination fee?

Yes, Axos Bank auto loans may charge a loan origination fee.

Does Axos Bank auto loans charge a late fee?

Yes, Axos Bank auto loans charges borrowers with a late payment penatly fee

Does Axos Bank auto loans charge prepayment fees?

No, Axos Bank auto loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like Axos Bank auto loans that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Axos Bank auto loans loan?

Yes, you can. Axos Bank auto loans does not charge a prepayment fee, so you can save money by paying your car loan early.

What do you need to qualify for Axos Bank Auto Loans?

Applicants with a credit score of at least 680 and up to 850 may be eligible for Axos Bank Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Axos Bank Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Axos Bank Auto Loans only considers borrowers who are employed. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Axos Bank Auto Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Axos Bank Auto Loans.

To qualify, applicants may need to provide the following documentation:

  • Loan payoff statements
  • Proof of income
  • Proof of insurance
  • Driver's license
  • Government issued photo ID
  • Proof of identity

What is the estimated funding time for a car loan via Axos Bank auto loans?

Axos Bank auto loans will typically approve (or deny) a car loan application within 24 hours and fund the car loan within 10 business days of approval.

Does Axos Bank Auto Loans report your account activity to credit bureaus?

Yes, Axos Bank Auto Loans reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Is Axos Bank a legit company?

Axos Bank was founded in 2000, it is a well-established company that has been in business for 23 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.

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Message From Axos Bank auto loans

Refinance your auto loan with Axos and save. Join our customers who saw their monthly payments drop by an average of $99*/month! Competitive rates, extended terms up to 84 months, and an easy online process. Apply now and receive your personalized offer in minutes.


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Co-borrower
Maximum Mileage 125,000
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Income
  • Loan Payoff Statements
  • Proof of Identity
  • Proof of Insurance
  • Government Issued Photo ID
  • Social Security Number
Credit Score Range 680 - 850
Approval Speed 24 hours
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Funding Time Range 3 - 10 days
Payment Options
  • Automatic Payments
  • Check by mail
APR Type Fixed APR
Loan Amount $8,500 - $90,000
APR (Fixed APR) 4.45% - 18%
Loan Term 12 - 84 months

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