Online Loans

Borrow smarter. 

Get the money you need quickly and easily.

Whether it's a personal loan, mortgage, or auto loan, access the funds you need quickly with flexible repayment options to help achieve your goals.

Compare My Options

Finance your goals with flexible loan options.

Personal Loans

Achieve financial flexibility and reach your goals with a personal loan tailored to your needs.

  • Loan amounts from $7,000 to $50,000 with terms of 3 to 6 years.*
  • Get your money within 2 days of a final loan agreement.
  • No pre-payment penalties.
Get Details

Home Loans

Our competitive loan options are designed to make your dream home a reality.

  • $0 lender fee.1
  • Earn 20% of your agent's commission when you close with us.2
  • Fast loan closing with the Axos Close-of-Escrow Guarantee.3
Get Details

Auto Loans

Our auto loans offer premium rates and tailored payment plans for purchasing your next vehicle with confidence.

  • Terms up to 96 months.** 
  • No payment for up to 90 days.
  • Financing for new and used vehicles.
Get Details

When is borrowing a good idea?

Lower Your High-Interest Debt

A personal loan allows you to consolidate high-interest debt like credit cards into a single, manageable monthly payment with potentially lower interest rates.

Fund Major Life Events

Personal loans offer the flexibility to cover random expenses like a wedding, a move, or higher education without depleting your savings.

Build Long-Term Equity

A home loan helps you invest in real estate. You build equity and grow long-term wealth as you pay down your mortgage.

Make Payments Your Way

Whether you prefer a shorter-term loan for faster payoff or a longer term for lower monthly payments, you can choose a repayment plan that aligns with your goals and cash flow.

Testimonials

Here’s what customers are saying about their Axos loan.

It has been great to do business with Axos. Competitive rates, streamlined process and very attractive side promotions which benefits the consumer. Jarrett was our loan officer and has been great with us, accommodating even last minute requests. Would love to work with him again.

Seth A.

I have been banking with Axos since before the rebrand when it was Bank of Internet USA, and I have relied on them for home financing three times now. Each time has been a pleasant experience with the best rates and lowest lender fees out there. This time around, I / we were assisted by Jarrett Carbone and we couldn't have asked for anyone better as he was extremely responsive and informative throughout the entire process. Thank you once again, Jarrett and Axos!

Vince H.

The company offered me the terms I wanted, lower rate, no fees, and term for my loan. They were quick, and efficient in the whole process and it was easy and a pleasure to use them for a personal loan. I would recommend anyone to use them.

Brett T.

Our tools can help you chart your financial future.

Check Out More Calculatorsicon / arrowCreated with Sketch.

APY Calculator

Estimate how much you can earn.

Use APY Calculator icon / arrowCreated with Sketch.

Mortgage Calculator

Estimate your monthly mortgage payment so you can set a realistic budget for your home purchase.

Use Mortgage Calculatoricon / arrowCreated with Sketch.

Personal Loan Calculator

Compare different loan amounts, terms, and interest rates to find a monthly payment that’s right for you.

Use Personal Loan Calculatoricon / arrowCreated with Sketch.

Discover a world of banking tips and resources.

View All
Insight

Steps to Building Your Credit History

Are you worried about your lack of credit history? Read about different methods of growing your financial history.

Read More
Insight

When Does a Personal Loan Make Sense?

Is an extra expense on the horizon? Learn if a personal loan makes sense for you.

Read More
Insight

HELOC or Cash-Out Refinance: Which Is Right for Me?

Homeowners can leverage their home equity to get more done. But how do you know which home equity loan option to choose?

Read More

All in one App

Stay on top of your money. Anytime. Anywhere.

Finally -- a bank that supports you. With the Axos app, managing finances is easy. Sync all your accounts to check balances, deposit checks, pay bills, and get custom account alerts quickly.

Frequently Asked Questions

I already have an Axos Loan. Where can I get support?

If you already have an Axos Loan, you can find guides, FAQs, and contact information on our Manage My Loan page.

You can also select the X icon at the bottom of this page to speak with Evo, your virtual financial assistant.

What are three common types of loans used by individuals?

  1. Home Loan: A home loan helps you purchase a house. It’s also commonly known as a mortgage – although, that’s technically the legal agreement you make with the bank for the loan. You can also refinance your home loan to improve your cashflow or access equity to pay for other projects.

  2. Auto Loan: An auto loan gives you the money you need to buy a car. You can also refinance your auto loan to optimize your monthly payment.

  3. Personal Loan: A personal loan is when you borrow money for a personal reason such as debt consolidation, home improvements, large expenses, or special occasions.

What are examples of loan types offered by Axos Bank?

Axos Bank offers a variety of auto loans, personal loans, and home loans. Here are some examples:

Auto Loans


  • Auto Purchase Loans to buy a new or used vehicle.
  • Auto Refinance Loans to get a new loan to replace your current loan.


    • Home Loans


  • Conforming Loans, featuring some of the lowest home loan rates in the market.
  • Jumbo & Super Jumbo Loans which are used for purchasing luxury homes or high-priced investment property.
  • Cash-Out Mortgage Refinance allowing you to use your home equity to fund other projects.


    • Personal Loans


  • Debt Consolidation Loan helps you consolidate your debt into one monthly payment and could help you save money.
  • Home Improvement Loans, to help you get the funds you need for home improvement projects.
  • Special Occasion Loans to pay for personal expenses such as weddings or reunions.

    • How do you apply for different kinds of loans offered by Axos Bank?

    It’s easy to apply for a loan. Simply select the loan program you prefer, then take 15 minutes to answer some basic questions about you and your finances.

    Here are some helpful links to get you started:

    Home Purchase Loan Application icon / arrowCreated with Sketch.
    Home Refinance Loan Applicationicon / arrowCreated with Sketch.
    Auto Purchase Loan Applicationicon / arrowCreated with Sketch.
    Auto Loan Refinance Applicationicon / arrowCreated with Sketch.
    Personal Loan Applicationicon / arrowCreated with Sketch.

    How do you calculate the cost of different loan types, like mortgage, auto, and personal?

    Check out these free financial calculators offered by Axos Bank to calculate your potential loan costs.

    Mortgage Refinance Calculatoricon / arrowCreated with Sketch.
    Mortgage Calculatoricon / arrowCreated with Sketch.
    Rent or Buy Calculatoricon / arrowCreated with Sketch.
    Personal Loan Calculatoricon / arrowCreated with Sketch.
    Auto Refinance Calculatoricon / arrowCreated with Sketch.
    Auto Loan Calculatoricon / arrowCreated with Sketch.

    Ask Evo AI

    AI thinking...

    Support
    Careers
    Insights
    Company
    Tools
    Disclosures
    CRA Public File
    Privacy
    Security
    ATM Locator
    Accessibility
    Support
    Careers
    Insights
    Company
    Tools
    Disclosures
    CRA Public File
    Privacy
    Security
    ATM Locator
    Accessibility

    © 2026 Axos Financial, Inc., All Rights Reserved. © 2026 Axos Bank, All Rights Reserved. © 2026 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2026 Axos Invest, Inc. All Rights Reserved.

    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 Axos Bank’s FDIC Notice.

    Advisory services are offered by Axos Invest, Inc., an investment adviser registered with the Securities and Exchange Commission (“SEC”). For information about our advisory services, please view our Form CRS or our ADV Part 2A Brochure, free of charge. Brokerage services and securities products are offered by Axos Invest LLC, Member FINRA & SIPC. YOU MAY FIND MORE INFORMATION ABOUT OUR FIRM ON FINRA’S BROKERCHECK. View the background of this firm, or REVIEW our Form CRS. All cash and securities held in Axos Invest client accounts are protected by SIPC up to $500,000, with a limit of $250,000 for cash. Read more information about SIPC on the SIPC web page.

    Securities and other non-deposit investment products and services are not deposits, obligations of or guaranteed by Axos Bank, are not insured by the FDIC or any governmental agency, and are subject to investment risk including possible loss of the principal invested. Past performance of a security does not guarantee future results or success.

    Axos Invest LLC, Axos Invest, Inc., and Axos Bank are separate but affiliated companies.

    Axos Bank NMLS# 524995

    *

    Example: A $25,000 loan with an Annual Percentage Rate (APR) of 8.42% for 60 months has a payment of $506.79.

    **

    An example loan of $25,000 with origination fee of $598 and a term of 96 months results in an Annual Percentage Rate (APR) of 5.94% and has a monthly payment of $319.96.

    1

    Applications received on or after 3/3/2026 on new first-lien mortgages, Axos Bank will waive its full lender fee if the conditions below are met:

    • The mortgage applicant(s) must open a new Axos ONE personal checking and savings account bundle during the mortgage application process.

    • Qualifying accounts must have an available balance of at least $5,000 at the time the Initial Closing Disclosure for the mortgage is issued.

    If the mortgage applicant already has:

    • An active mortgage account serviced by Axos Bank, or

    • An Axos Bank or UFB consumer deposit account (as a primary or joint owner), with a minimum available account balance of $5,000 or more at the time the Initial Closing Disclosure is issued.

    This offer may be modified or discontinued at any time. Please contact an Axos Bank Mortgage Loan Originator for additional details. Applicants remain responsible for all third-party fees and prepaid items. HELOC’s, VA Loans, and 2nd lien mortgages are not eligible for the promotional offer.

    2

    Cash Rewards are 20% of the agent’s commission. The example assumes a 2.5% agent commission. HomeAdvantage Rewards are offered by Axos Bank with HomeAdvantage Partners LLC (HomeAdvantage), a licensed real estate broker. HomeAdvantage is not affiliated with Axos Bank and Axos Bank is not responsible for the program provided by HomeAdvantage.

    3

    Certain restrictions and conditions apply. Please visit our Close of Escrow Guarantee page for more information.

    axos bank 25 years