Axos Bank review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Axos Bank is a US direct lender for adults with a solid credit record who want a fixed rate mortgage or a fixed rate personal loan from the same bank. Fees of $0 on mortgages and a soft prequalification credit check keep the cost of looking low.

Key facts

Best for
Fixed rate loans from a US bank, with a soft prequalification check and fees of $0 on mortgages.
Initial rate
6.625% (Source, checked September 26, 2026)
APRC
6.876% (Source, checked September 26, 2026)
Fixed period
30 years (Source, checked September 26, 2026)
Maximum loan to value
90% to 100% (Source, checked September 26, 2026)
Product fee
$0 (Source, checked September 26, 2026)
Purpose
Purchase, Remortgage, First-time-buyer, Buy-to-let, Home-equity (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Legal entity
Axos Bank (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Official website
axosbank.com

Loans

APR
8.42% (Source, checked September 26, 2026)
Loan amount
$7,000 to $50,000 (Source, checked September 26, 2026)
Term
36 to 72 months (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Within 2 days of signing (Source, checked September 26, 2026)
Representative example
A $25,000 personal loan at 8.42% APR for 60 months has a payment of $506.79 (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Loan types
Personal, Debt-consolidation (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Axos Bank (Source, checked September 26, 2026)
Headquarters
United States (Source, checked September 26, 2026)
Founded
2000 (Source, checked September 26, 2026)
Support channels
Phone, Chat, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate

Apps and profiles

Get the app
App Store
Elsewhere
WikidataWikipediaLinkedInX

Pros and cons

Pros

  • Product fees of $0 on the mortgage range, so the headline rate is where you start.
  • The personal loan credit check is a soft prequalification, soft prequal, so a rate can be seen before a full application.
  • Free early repayment on the personal loan, so clearing the balance ahead of schedule costs nothing.
  • Fixed rate personal lending (fixed rate) for personal and debt consolidation borrowers (personal and debt consolidation).

Cons

  • Ranks 111 of 145 brands on APRC, so it is not the sharpest rate in the field.
  • Personal loan amounts run $7,000 to $50,000, so larger balances need a different lender.
  • Both products are fixed rate (fixed rate, fixed), so no variable option is on offer here.
Axos Bank

Ready to try Axos Bank?

Scored 9.0 / 10 by BorrowCue.

See alternatives

Who it suits

  • US buyers and remortgagors who want a fixed period of 30 at product fees of $0.
  • Borrowers consolidating debt or funding home improvement with a personal loan, funded Within 2 days of signing.
  • Readers who prefer a direct lender, direct lender, with phone, chat and help centre support.

Who should look elsewhere

  • Readers shopping purely on the headline rate, where Prestalo lists 2.36% and Creditilia ES 4% against Axos Bank's 6.625%.
  • Borrowers who want a variable deal, since Axos Bank lends direct at a fixed rate (fixed) while Sofkredit's band runs 8% to 14%.

Safety and regulation

Axos Bank is entered in US registers: the FDIC certification FDIC cert 35546, and the NMLS Consumer Access record 524995 kept by the CFPB. Both listings point to a US regulated lender, and either identifier can be checked against the bank before an application is sent. That gives a reader a way to confirm the lender before applying.

Who runs it

The lending entity is Axos Bank, headquartered in the United States and founded in 2000. Support runs on phone, chat and help centre, so phone, chat and a help centre are the listed channels. The same entity appears in US records as FDIC cert 35546 and 524995, which keeps the company and the brand on the same footing.

How Axos Bank compares

Where Axos Bank is available

Available
United States
Licence in United States
NMLS Consumer Access (CFPB) (524995), checked September 26, 2026
Licence in United States
FDIC (FDIC cert 35546), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a mortgage from Axos Bank cost?+

The published product fee on the mortgage range is $0. The headline initial rate is 6.625% and the APRC is 6.876%, which puts the whole cost of borrowing on a comparable basis. Property lending runs to a maximum loan to value of 90% to 100%.

How much can I borrow on a personal loan?+

Personal loans run $7,000 to $50,000 with a term of 36 to 72 at 8.42%. The lender covers personal and debt consolidation lending (personal and debt consolidation) and names home improvement as the use case (home improvement). The representative example pairs a mid sized balance with a fixed monthly payment over the same kind of term.

What credit check do I face?+

The credit check listed for the personal loan is a soft prequalification, soft prequal. It is a lighter check than a hard application, so it can be run before committing. The rate attached to it, 8.42%, is the starting point the lender publishes for the personal loan range.

How quickly is the money paid out?+

Funding is timed at Within 2 days of signing on the personal loan, so the money moves once the paperwork is in order. Mortgages run on a different clock, with a fixed period of 30 on the fixed rate deal. A reader planning a purchase should separate the timelines rather than assume the loan speed carries over.

Can I pay the personal loan off early?+

Early repayment is free on the personal loan, so clearing the balance ahead of schedule costs nothing extra. That sits alongside the fixed rate of fixed and the term of 36 to 72, which is what sets the interest in the first place. Overpayers keep the saving rather than losing it to a charge.

What can I use the money for?+

The mortgage side covers purchase, remortgage, first time buying, buy to let and home equity (purchase, remortgage and first time buyer). Personal loans cover personal and debt consolidation lending (personal and debt consolidation), with home improvement named as the use case (home improvement).

How does the rate compare with the alternatives?+

The initial rate is 6.625% with an APRC of 6.876% and a fixed period of 30. Among the listed alternatives, Prestalo shows 2.36%, Creditilia ES 4% and Sofkredit 8% to 14% on the same measure, which gives a reader a set of reference points before applying.

Sources

  • banks.data.fdic.gov/bankfind-suite/bankfind/details/35546 checked September 26, 2026

    Backs: Legal entity, Headquarters, Licences

    “CERT=35546; NAME=Axos Bank; WEBADDR=www.axosbank.com; ACTIVE=1”

  • axosbank.com/personal/borrow/personal-loans checked September 26, 2026

    Backs: Credit check, Free early repayment, Funding time, Lender type, Loan amount, Pricing model, Rate type, Representative example, Term, Use cases, Loan types, APR

    “Check prequalified offers with no impact to your credit score and get your money within 2 days of signing.”

  • axosbank.com/about-us checked September 26, 2026

    Backs: Founded

    “By launching as a digital bank on July 4, 2000, we signaled our independence from traditional, brick-and-mortar banking”

  • axosbank.com/personal/borrow/mortgages checked September 26, 2026

    Backs: Fixed period, Initial rate, Product fee, Purpose, Support channels, APRC

    “Today's lowest 30-year fixed rate is 6.625%/6.876% APR**”

  • axosbank.com/personal/borrow/mortgages/jumbo-loans checked September 26, 2026

    Backs: Maximum loan to value

    “Jumbo and Super Jumbo Loans: 90% financing on purchase loans ... Cross Collateralization: finance up to 100% of a home's value through securing the loan against an additional free and clear property”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Axos Bank

Axos Bank

Fixed rate loans from a US bank, with a soft prequalification check and fees of $0 on mortgages.

9.0/10See alternatives

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