
About Bankrate Score
Axos Bank is the banking subsidiary of Axos Financial Inc. and is based in San Diego. It’s a digital bank with no physical branches.
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About Bankrate Score
Axos Bank is the banking subsidiary of Axos Financial Inc. and is based in San Diego. It’s a digital bank with no physical branches.
Fast funding
Range of term options
No prepayment penalties
High standards for credit
Origination fee
No brick-and-mortar bank branches
Axos Bank does not charge pre-payment penalties should you decide to pay your loan off early. However, a late fee of $15 applies if you pay after the grace period. You’ll also incur a $25 if the payment is returned by your bank or credit union due to insufficient funds.
Overall Score | 4.7 | Explanation |
---|---|---|
Availability | 4.8 | While not the lowest in the business, Axos’ minimum APR is still fairly competitive. |
Affordability | 4.3 | Axos offers a quick funding timeline but high credit score requirements. |
Customer Experience | 4.9 | Axos has customer service options available whenever it is needed. |
To select the top personal loan lenders, Bankrate considers 15 factors. These factors include credit requirements, APR ranges, fees, loan amounts and flexibility to account for a wide range of credit profiles and budgets. Bankrate reviewed 41 lenders and gave each a Bankrate rating, which consists of three categories:
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the lender’s website for the most current information.