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Personal Loans
Get up to $50,000 with a personalized fixed rate.
Check your personalized fixed rate and see how much you may qualify for in minutes, with fast funding once approved.
Everything you want in a personal loan.
Flexible terms, fast funding, and predictable payments.
Flexible loan amounts & terms.
Borrow $7,000–$50,000 with repayment terms from 3 to 6 years.*
Fast, low‑impact access to funds.
Check prequalified offers with no impact to your credit score and get your money within 2 days of signing.
Predictable payments.
Fixed rates and fixed monthly payments that never change over the life of your loan.
No prepayment penalties.
Pay off your loan early at no extra cost and save on interest.
See why borrowers choose us.
Our personal loans are designed to make borrowing straightforward. Hear how real borrowers used our loans to simplify debt, cover major expenses, and move forward with confidence.
Great experience, easy process, good customer service, best interest rate and no fees. In the end had to open a bank account with Axos and easy to transfer the funds into my local account.
Mike|Wilmington, DE
Axos Bank it was a very simple, easy and quick process to get fast approval in less than 24hr… the money was in my bank account in less than 48hr… I strongly recommend Axos Bank.
Ruslan G
When I began researching online personal loans, Axos quickly rose to the top because of their competitive rates… funds were available within 24 hours.
Thomas|Venice, FL
This is my first time applying for a personal loan… I received a phone call from an Axos agent… everything went smooth and quickly.
John|Los Angeles, CA
Personal loans with terms you can trust.
Borrow $7,000–$50,000 with fixed rates, predictable payments, and no prepayment penalties. Check your options without impacting your credit score.
What is a personal loan?
A personal loan is a lump sum of money you borrow and repay in fixed monthly payments over a set period of time. These loans are typically unsecured, meaning no collateral is required, and they offer a straightforward way to cover expenses like debt consolidation, home projects, or unexpected costs.
- 1Fixed payments with clear terms
Personal loans come with fixed interest rates and consistent monthly payments, so you always know what you owe and when it is due. There are no surprises over the life of the loan.
- 2Flexible uses for everyday needs
From consolidating higher interest debt to covering major purchases or home improvements, personal loans give you flexibility to use funds where you need them most.
- 3No collateral required
Most personal loans are unsecured, which means you do not need to put assets like your home or car on the line to qualify.
What can I use a personal loan for?
A personal loan gives you flexible access to funds for planned or unexpected expenses. With fixed rates and predictable monthly payments, personal loans are a simple way to manage costs without relying on high interest credit cards or dipping into savings.
Debt Consolidation
Combine higher interest credit cards or existing loans into one monthly payment.
A personal loan can help simplify your finances and potentially reduce the amount of interest you pay over time.
Home Improvements
Cover everything from small repairs to larger renovation projects.
A personal loan lets you make upgrades now while paying over time with fixed monthly payments.
Major Purchases
Get help paying for big expenses like medical bills, legal fees, weddings, or travel.
Fixed monthly payments make it easier to manage costs for important life moments without straining your budget.
Get prequalified in minutes with no impact to your credit score.
Personal loan guidance you can trust.
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Personal Loans Frequently Asked Questions
How to get a personal loan?
Getting a personal loan starts with understanding how much you need and checking your options up front. You can prequalify to compare available rates and terms, then complete an application by providing basic details like identification, proof of income, and address. Once you accept an offer and sign, funds are typically deposited quickly.
How to get approved for a personal loan?
To improve your chances of approval, lenders typically look for a solid credit profile, manageable monthly debt, and consistent income. Prequalification lets you compare rates and terms without impacting your credit score.
Where can I get a personal loan?
Personal loans are available through banks, credit unions, and online lenders. Many offer a fully digital application experience with quick funding once approved.
How do personal loans work?
Personal loans provide a one‑time lump sum repaid through fixed monthly payments over a set period. They are typically unsecured and offer predictable terms.
What is an unsecured personal loan?
An unsecured personal loan allows you to borrow without collateral, with approval based on credit profile, income, and overall financial picture.