- Loan amounts from $5,000 to $50,000
- Term lengths of 3-6 years*
- Funding within 2 days of acceptance of final loan offer
- No collateral required
- Flexible lending criteria
- No pre-payment penalties
Why use a personal loan to consolidate your debt?
Enjoy the savings from a lower interest rate and the convenience of a single payment each month.
Lower Interest Rate
Moving your high-interest debt to a lower interest loan can offer significant savings. It can help you become debt-free sooner.
Lower Monthly Payment
Your monthly payment could be less with a lower interest rate. Enjoy a more flexible budget or additional money in your emergency fund.
Convenience of One Payment
Consolidating multiple debts into a single payment is convenient. Plus, it’s motivating to see a sizable reduction in your balance each month.
Set Payoff Date
With a set loan term and payment amount, you know when your debt will be retired. It’s a goal you can work toward every month.
Retire Your Debt Sooner
See a noticeable reduction in your balance instead of carrying the credit card debt for 15-20 years when you only make the minimum payment each month.
How can a Personal Loan be used to consolidate debt?
Consolidating your debt into a single personal loan can combine the savings of a lower interest rate with the convenience of a single payment each month.Read the Axos Blog
How much will I pay each month?
Use our Personal Loan Calculator to compare loan amounts, terms, and monthly payments. See how much you could potentially save by consolidating your debt with a personal loan at a lower interest rate.Personal Loan Calculator
"The Axos process of qualifying for, applying, and obtaining funding for a debt consolidation loan was seamless and the customer service and follow up was excellent start to finish."
— Stan | Casa Grande, AZ
“We needed a loan to consolidate credit card debt. We turned to Lending Tree and found Axos Bank. The rate that we ended up paying was less and the people there were very responsive! Highly recommend!”
— Barb | Wesley Chapel, FL
“I recently looked for a source to consolidate higher interest credit card debt into one single personal loan. Axos proved to be a great partner to work with. They even provided me a better APR than I initially expected. Highly recommend you look into them if you have any financing needs.”
— Bud | Franklin, NJ