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Axos Bank

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Interest Rate (APR)


Loan amount


Min. credit score


Financeive’s rating


Axos Bank

The best borrowers for Axos Bank are:

  • Having excellent credit.
  • Looking to consolidate high-interest debt.
  • Prefer an all-online borrowing process.

Axos Bank also exclusively offers unsecured personal loans, which is wonderful since you don’t have to worry about losing your home if you default.

You can read our full Axos bank personal loan review to inform your decision-making process.

Axos Bank Personal Loan Amounts and Interest Rates

Axos Bank provides personal loans with fixed rates, ranging from $5,000 to $50,000. These personal loans are unsecured, which means you don’t have to put up any collateral to acquire them, such as a house or car.

The interest rates of Axos range from 7.15% to 17.99%. Your loans will have a fixed interest rate that will not alter during the loan’s term.

Personal loans from Axos have 3 to 6 terms. A personal loan from Axos can be used for a variety of purposes, including home improvements, large purchases, medical expenses, and Refinancing high-interest debts.

Axos Bank does not give a rate reduction for setting up automated payments, unlike some other lenders.

This reduction, which can vary from 0.25 to 0.50 %, not only decreases the amount of interest you pay on your loan but also encourages borrowers to use autopay to prevent late fees.

Axos Bank Personal Loan Qualification

To evaluate eligibility, Axos Bank evaluates credit score, income, job history, and other financial indicators. Here are the requirements, according to the lender:

  • The minimum credit score is 720, with a 785 average among borrowers.
  • There is no minimum yearly income requirement; the average borrower earns $100,000.
  • Demonstrate 2 years of continuous employment.
  • A maximum debt-to-income ratio of 50% is allowed.
  • You must be at least 18 years old. A minimum
  • You must be a United States citizen, a lawful permanent resident, or a temporary visitor with a valid work visa.
  • Have a current Social Security card, driver’s license, or state-issued identity.

On the Axos Bank website, you may complete an application. You can create an account after inputting the loan amount, chosen term, and loan purpose to discover loan choices for which you are pre-qualified.

Repayment Terms

Personal loans from Axos Bank are available for 3 to 6 years.

Fees and penalties

Axos Bank may charge a borrower an origination fee of up to 2% of the loan amount to cover the costs of processing the loan and authenticating a new borrower.

Keep in mind: Negotiating a cheaper origination fee might result in a higher interest rate.

If the bank imposes a 2% origination fee on a $10,000 loan, it will deduct $200 from the loan amount at closing and pay the borrower $9,800.