Last Updated: 04/18/2025
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Axos Bank Personal Loans Review
Key Takeaways
- APRs starting at 7.15%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Axos Bank Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Axos Bank with a soft pull that will not affect your FICO or VantageScore.
- Origination fees of 0% to 2%. This is on the low end for lenders that charge an origination fee. However, plenty of lenders don't charge an origination fee. Don't forget that these fees are deducted from the loan amount, so take them into account when deciding how much money to borrow.
- Super long loan terms. Axos Bank Personal Loans offers loan terms of up to 72 months. Most personal loans have a maximum term of 60 months.
Axos Bank personal loan Pros & Cons
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Axos Bank personal loan FAQ
What interest rates and personal loan terms does Axos Bank personal loan offer?
What interest rates does Axos Bank personal loan offer?
How much can you borrow via Axos Bank personal loan?
What is the maximum loan term you can get with Axos Bank personal loan?
| Personal Loan Amount | $5000 - $35000 |
| Loan Term | 12 - 72 months |
| APR | 7.15% - 29.99% |
What fees does Axos Bank personal loan charge?
Does Axos Bank personal loan charge an origination fee?
Does Axos Bank personal loan charge a late fee?
Does Axos Bank personal loan charge prepayment fees?
| Origination Fee | 0% - 2% |
| Prepayment Fee | No |
| Late Payment Fee | $15 |
What do you need to qualify for Axos Bank Personal Loans?
Applicants with a credit score of at least 720 and up to 850 may be eligible for Axos Bank Personal Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | 720 - 850 |
What is the estimated funding time for a personal loan via Axos Bank personal loan?
Does Axos Bank Personal Loans report your account activity to credit bureaus?
- Experian
Does Axos Bank perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates.Are Axos Bank Personal Loans legit?
Axos Bank Personal Loans Disclosure: Axos Bank® provides personal loans from $5,000 to $50,000. Annual Percentage Rates (APR) for personal loans provided by Axos Bank range between 7.15%-29.99% APR in terms from 36-72 months (for example, a $15,000 loan with an APR of 13.25% for 60 months has a payment of $326.06) – flexible lending criteria – funds deposited to your account in 12-48 hours – NO prepayment penalties, and preliminary offers that don’t impact your credit score – Consolidate credit card or other debt – Finance home improvements or major purchases – Set up an emergency fund – Whatever your goal, our experienced loan specialists can answer your questions and guide you through each step of the process – Axos Bank is an award-winning, FDIC-insured financial institution offering a wide range of products and services. Bank products and services are offered by Axos Bank®. All deposit accounts through Axos Bank brands are FDIC insured through Axos Bank. All deposit accounts of the same ownership and/or vesting held at Axos Bank are combined and insured under the same FDIC Certificate 35546. All deposit accounts through Axos Bank brands are not separately insured by the FDIC from other deposit accounts held with the same ownership and/or vesting at Axos Bank. For more information read our FDIC Notice.
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