Last Updated: 04/18/2025
SuperMoney User Recommendation Score +50
Strongly recommended10 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
7.15% - 29.99%(Verified 06/21/2024)
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Amount Range
$5,000 - $35,000
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Loan Term (Months)
12 - 72
Number of Reviews
Axos Bank Personal Loans Review
Axos Bank Personal Loans is offered by Axos Bank, a bank founded in 2000 and based in San Diego, CA. Axos Bank personal loan are available in 50 states and Washington, DC.
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
| Pros | Cons |
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Axos Bank personal loan FAQ
What interest rates and personal loan terms does Axos Bank personal loan offer?
Axos Bank personal loan has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Axos Bank personal loan offer?
Axos Bank personal loan offers a fixed APR personal loan product that ranges from 7.15% APR up to 29.99% APR.
How much can you borrow via Axos Bank personal loan?
Personal loan amounts start at $5,000 and go up to $35,000
What is the maximum loan term you can get with Axos Bank personal loan?
Axos Bank personal loan offers loans with terms of up to 72 months.
| 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?
Axos Bank personal loan may charge a personal loan origination fee of 0% to 2% of the personal loan amount . Axos Bank personal loan deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Axos Bank personal loan charge a late fee?
Yes, Axos Bank personal loan may charge a late payment fee if you miss one of the regularly scheduled payments of up to $15.
Does Axos Bank personal loan charge prepayment fees?
No, Axos Bank personal loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| 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. Axos Bank Personal Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Axos Bank Personal Loans.
To qualify, applicants may need to provide the following documentation:
- 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 |
| Application Types Accepted |
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| Credit Score | 720 - 850 |
What is the estimated funding time for a personal loan via Axos Bank personal loan?
Axos Bank personal loan will typically fund loans within 2 business days of approval and clearing necessary verifications.
Does Axos Bank Personal Loans report your account activity to credit bureaus?
Yes, Axos Bank Personal Loans reports to the following credit bureau:
- Experian
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
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. Axos Bank personal loan allows you to check your rates with a soft credit pull.
Are Axos Bank Personal Loans legit?
Axos Bank was founded in 2000, it is a well-established company that has been in business for 26 years. Based on their "mostly recommended" SuperMoney community rating, they seem to be a reputable company.
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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
12:00AM - 12:00AM
Monday
12:00AM - 12:00AM
Tuesday
12:00AM - 12:00AM
Wednesday
12:00AM - 12:00AM
Thursday
12:00AM - 12:00AM
Friday
12:00AM - 12:00AM
Saturday
12:00AM - 12:00AM
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +50, or 4 on a 5-point rating scale.
+50
-1000+100
No one recommends
Everyone recommends
Axos Bank Personal Loans Community Reviews
Would you recommend Axos Bank Personal Loans to your friends?
U
Anonymous
Apr 2, 2024
May or may not recommend
Because I don’t want to they never quality any one
Jacques De J.
Nov 18, 2021
May or may not recommend
I would never advise anyone takes out a loan without proper financial consideration, but for me Axos is a competitive personal load provider because of the low APR, prequalified rate, and origination fees. Overall, Axos made taking a personal loan achievable for me.
BS
Bradley S.
Nov 18, 2021
May or may not recommend
Everything is quick, from the application process, to getting questions answered, to even actually getting the loan given to you. They make it very easy to get a loan, to have all the information and knowledge available to you to make a conscious decision, and I will definitely look to perhaps getting another loan in the future with them because of it.
KR
Kye R.
Nov 10, 2021
May or may not recommend
I never thought I would be the person to take out a loan, but I had some medical issues and job troubles both at the same time. I was super anxious about money but Axos was able to get me a reasonable loan so I could spread out payments over a longer period of time. They helped me during my time of need and I highly recommend them to ...Show More
MS
Marty S.
Sep 30, 2021
May or may not recommend
Axos Bank is among the best when it comes to personal loans. I signed up couple of months ago and their services has been great. I didn’t have to pay any fee during my repayment. They have a higher timeframe for repayment with a competitive APR. And most of all they are fast with processing loans.
NK
Natasha K.
Sep 14, 2021
May or may not recommend
I can say that Axos is the best way to go for your loans.
DJ
Daniella J.
Sep 9, 2021
May or may not recommend
It’s my second experience with AXIS Bank. 3 years ago I took a loan with Axis Bank and my experience was good. Now again I was in need of financial support so I went with AXIS Bank again. And they didn’t put me down. There was a fast processing and the interest rates and the processing charges were affordable.
There are many things which good about AXIS Bank. The processing is ...Show More
EA
Emily A.
Aug 27, 2021
May or may not recommend
The application process is all online and very quick! Very convenient to have funds deposited directly into your bank account.
KW
Kendra W.
May 15, 2021
May or may not recommend
applied for a unsecured personal loan on 5-15-2021 online and received a missed called from the personal loan department. I called the number back he left on my voicemail and ask him what credit bureau did they do a hard pull from? He told me that they pulled all 3 credit bureaus which couldn’t be correct, because all lenders have a 1 main credit bureau they pull from. He told ...Show More
WT
William T.
Apr 2, 2020
May or may not recommend
I stay in Ghana I need a personal loan straight into my bank account
Showing 10 of 10 reviews
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