Axos Bank

Axos Bank

in Personal Loans from Axos Bank


Axos Bank


in Personal Loans from Axos Bank

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Loan Amount $5,000 - $35,000
APR (Fixed APR) 6.49% - 18%
Loan Term (Months) 12 - 60


Where does Axos Bank do business?

Axos Bank is a bank based in San Diego, CA. Founded in 2000, Axos Bank offers access to personal loans in 50 states (and Washington, DC).

What rates and terms does Axos Bank offer?

What personal loan APRs does Axos Bank offer?

Axos Bank offers a fixed APR personal loan product that ranges from 6.49% 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.

How much can you borrow via Axos Bank?

Loan amounts start at $5,000 and go up to $35,000.

What can a personal loan from Axos Bank be used for?

Personal loans from Axos Bank are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.

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

Axos Bank offers personal loans with terms ranging from 12 to 60 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.

Axos Bank Rates & Terms
Loan Amount $5000 - $35000
Loan Term 12 - 60 months
APR 6.49% - 18%

What fees does Axos Bank charge?

Does Axos Bank charge an origination fee?

Axos Bank charges a loan origination fee.

Does Axos Bank charge a late fee?

Yes, Axos Bank may charge borrowers a late payment fee

Does Axos Bank charge prepayment fees?

No, Axos Bank does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.

Axos Bank Fees
Origination Fee N/A
Prepayment Fee? No
Late Payment Fee N/A

What do you need to qualify for a loan with Axos Bank?

Applicants with a credit score of at least 620 can apply for a loan via Axos Bank . The minimum age to apply for a loan is 18 or the state minimum, whichever is higher.

Axos Bank only considers borrowers who are employed.

Active duty servicemembers and their covered dependents are eligible to apply for a loan via Axos Bank. Their rates fall within the limits of The Military Lending Act.Only U.S. citizens and permanent residents can apply for a loan.

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

  • Driver's license
  • Government Issued Photo ID
Axos Bank Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Joint Applications Accepted? No
Credit Score 620 - 850

What is the estimated funding time for a personal loan via Axos Bank?

Axos Bank will typically provide a credit approval decision in less than an hour and fund the loan within 3 days.

Does Axos Bank report loan payments to credit bureaus?

Axos Bank may report credit data to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion
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  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Prepayment Fee  
Minimum Age 18
Credit Score Range 620 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Verification Documents Required
  • Government Issued Photo ID
  • Social Security Number
  • Driver License (or other photo ID)
Loan Amount $5K - $35K
Loan Term (Months) 12 - 60
APR (Fixed APR) 6.49% - 18%

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