Personal Loans for Major Purchases

A personal loan is a quick and easy option when you need the funds for a large purchase or unexpected expense. A wedding, dream vacation, new pool, and even medical expenses can all be financed fast with an Axos Bank personal loan.

Features

  • Loan amounts from $7,000 to $50,000
  • Term lengths of 3-6 years*
  • Preliminary offers will not impact your credit score
  • No collateral required
  • Funding within 1 to 2 business days of acceptance of final offer
  • No pre-payment penalties

Why use a personal loan for major purchases?

There are benefits to using a personal loan rather than credit cards or other types of financing.

Lower Interest Rate

Obtaining cash with a personal loan could offer a lower interest rate than what is available through a credit card.

Lower Monthly Payment

Your monthly payment could be less with a lower interest rate, which means more flexibility in your budget.


One Monthly Payment

A single payment is convenient. Plus, it’s easy to track the reduction in your balance each month.

Set Payoff Date

With a set loan term, you know when your debt will be paid. It’s a goal you can work toward every month.

How much will I pay each month?

Use our Personal Loan Calculator to explore your loan options. Decide whether to update your kitchen or bathroom, get a new roof, put in hardwood floors, or upgrade your heating/air system. Compare loan amounts and terms to see monthly payment amounts.

Ready to get started?

It takes about 3 minutes. Please have a valid ID and your Social Security number ready. For more information, contact us at [email protected] or 866-923-3625.

Financial Articles & Tools

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?

Tool

Mortgage Calculator

Use our mortgage calculator to help you set a realistic budget and determine a perfect home loan fit.

Insight

First-Time Mortgage Refinance Guide

Worried that refinancing your home loan will be too much effort? Check out this guide.

© 2025 Axos Financial, Inc., All Rights Reserved. © 2025 Axos Bank, All Rights Reserved. © 2025 Axos Invest LLC. Member FINRA & SIPC. All Rights Reserved. © 2025 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.