Banking Evolved is more than a tagline - it's who Axos Bank is. By giving their customers the tools, information, and ability to make smarter choices, they empower them to make real progress toward their goals.
Since 2000, they've helped American consumers break free from the constraints of traditional banking. Today, they're excited to... show more
Axos Bank Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/08/2023.
Axos Bank personal loans are available nationwide to people with good or excellent credit. The loans offer quick funding, fairly competitive rates and long payoff periods, though there is the possibility of an origination fee equal to as much as 0% of the loan amount.
Axos Bank Personal Loan Review Highlights
APRs:6.79% - 21.99%
Loan sizes:$5,000 - $50,000
Payoff periods:36-72 months
Credit score requirement: 720+
Other requirements: 18+ years old, U.S. citizen or permanent resident, SSN
Origination fee:up to 2%
Reputation: Axos Bank has an A+ rating from the Better Business Bureau and an average user rating of 3.3 on WalletHub.
Overall, Axos Bank personal loans are a good choice for people with credit scores of 720+. Below, you can see how WalletHub rates Axos Bank personal loans in our three major categories: Terms, Requirements & Application, and Reviews & Transparency.
Axos Bank Personal Loan Ratings by Category
Category
Editor’s Rating
Terms
4.1/5
Requirements & Application
3.3/5
Reviews & Transparency
4.8/5
Overall Score
12.4/15
These scores reflect how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Axos Bank Personal Loans
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Axos Bank
MD ARJU HOSSEN @mdarjuhossen11
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1 Star Rating
They closed my checking account the next day after I posted my experience here on 01/27/2023, I would recommend everyone to check their customer services and policies before thinking to bank with them, I think they are scam, they are holding my money and their customer service agents do not know when the final check will be mailed out to me, I am considering filing a lawsuit against them,
Axos is a bait and switch bank. You start with a higher rate, but then you are forced to open new accounts in a rising rate environment to get the new higher rate. Terrible policy that penalizes existing customers and is part of the reason they get such poor reviews on sites like this. Oddly, they seem to have a policy of responding to negative comments on this board (but not doing anything with the underlying policies that causes all the negative comments).
Hello, we value your thoughts and can assure you that all feedback is communicated internally as we are always looking for opportunities to improve. Thank you!
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Axos Bank
Anack7017 @Anack7017
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1 Star Rating
DO NOT USE AXOS BANK. Their customer service is horrible and you might as well not even call cause they always just tell you they can't help and that its their policy. Every service they provide has a 3-5 day wait whether you're moving money around or trying to deposit a check. They have no compatibility with services like venmo or cashapp either (another 3-5 day wait if you want to add money to your accounts). If something goes wrong? You can call, but you'll have to wait 3-5 days for them to even verify that something has gone wrong.
Hello, we are very sorry to hear about this experience. This is not the level of service we strive to provide, and I have shared your feedback with our teams to help us improve. I have also escalated your issue so the appropriate team can reach out to you. Thank you!
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Axos Bank
Adam White @Brokemusician24
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1 Star Rating
I opened a new account on the 11th. Set up direct deposit. My pay check on the 27th was deposited. However I STILL had not received my debit card. So my only option to access my money was a transfer. I linked my external bank, but a transfer would take like 3-5 business days. So I payed $35 for a wire transfer… that still took one business day, and since it was Friday I won’t receive my money until at least Monday! The app constantly logs me out. For an online only bank, the app is terrible. Customer service is average at best. When I called about the debit card not arriving after 2 weeks, all they could do was send another which is another 7-10 business days. Like uh heck no. You rush deliver that. Closing my account as soon as I can get my money out of there.
Hello Adam, we are sorry to hear we aren’t meeting your expectations. This is not the level of service we strive to provide and I have shared your review with our team as we are always looking for opportunities to improve. I have also escalated your issue to the appropriate team to assist. We appreciate your feedback. Thank you!
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Axos Bank
phil_3 @phil_3
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1 Star Rating
Verified Customer
THEY CHARGED MY OLD CLOSED ACCOUNT AS WELL AS THE NEW ONE I GAVE THEM FOR THE SAME MONTHLY PAYMENT. PENALTY FEES ARE HIGH!!! CRIMINALS!! WATCH OUT!!!
Hello Phil, we are sorry to hear we aren’t meeting your expectations and apologize for the frustration caused. We’d like to help. Please send us an email at [email protected] so we can escalate your issue to the appropriate team right away. Thank you.
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Axos Bank
Ruthypoo @Ruthypoo
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1 Star Rating
They’re Incompetent. Once I involved my lawyers about inheriting their mortgage from my deceased Parent’s estate, they then began to give me information to make the monthly payments that they failed to provide me earlier. It was funny because they sent a notice of default on my inherited property due to one late payment!!! While this whole time they never responded to my incessant requests to get direct online access so I can make payments automatically all the while they charged me a few hundred dollars in late fees!! And this was one problem out of many. I could write pages!
Overall, I can’t say for sure whether they were acting in bad faith to find any reason to force a sale or they’re simply incompetent. They’re horrible. Don’t do it. You’ve been warned!
Hello, we are very sorry to hear about this experience. This is not the level of service we strive to provide and we apologize for the frustration caused. Please send us an email at [email protected] so we can escalate to the appropriate team and assist. Thank you.
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Axos Bank
Ashley Flores @ashleyflores
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1 Star Rating
Don’t use this bank unless you never want to spend your money. Only 1 in 10 transactions go through and the rest are marked as fraudulent and I’m stuck sitting the the store and not being able to pay for my food. I go to the same stores each week and buy about the same amount from each and it still doesn’t work. I have to call the customer service to make it go through, but if it’s on the weekend, they‘re not even there!! I’ve had checking account at 5 different banks and this is the worst. DO NOT BANK HERE!!!
Hello Ashley, we understand this can be frustrating and we are sorry to hear we aren’t meeting your expectations. I have shared your feedback with our team as we are always looking for opportunities to improve while still protecting the security of our customers. We value your thoughts and appreciate your business. Please contact us at [email protected] so we can escalate your issue to the appropriate team and assist you. Thank you!
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Axos Bank
Aeron Gein @ericorion555
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1 Star Rating
Terrible, HORRIBLE service, account keeps developing errors (logging in through app, account balance and transactions not available!) that are not fixed. Sometimes, like what happened to me, deposits are held up or refused FOR NO REASON, and then customer service doesn't even know why it was refused when you call! And then they tell you to send a message through the app with a picture and they will investigate and respond... DAYS LATER STILL NO RESPONSE! I have NEVER dealt with a bank with this crappy, ineffectual, constantly malfunctioning service before... that you cannot even get resolved. I'm canceling my account and going with a different bank. Avoid this bank like the plague.
Hello Aerin, we are very sorry to hear about this experience. This is not the level of service we strive to provide, and I have shared your feedback with our teams to help us improve. I have also escalated your issue so the appropriate team can assist right away. Thank you!
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Axos Bank
No Name @rnadeau78
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1 Star Rating
Worst experience, very insecure and scamy bank. Luckily all they did was waste my time, but they have my info and the info of my family. This bank sends insecure login data to external banks. My login was sent to my bank not encrypted. My normal bank refused the connection. I used my bank to connect to Axos. While contacting Axos about the problem. Axos never responded to me. Their lack of concern worried me I tried to close my accounts. I assume they are closed because my login doesn't work. No other info was given. Save yourself the headache and don't associate with them
Hello, we are disappointed to hear you had a negative experience and apologize for the frustration caused. We’d like to help. I have escalated this to the appropriate team for assistance. Thank you.
That depends on the type of account you are interested in. The basic business checking account charges a transaction fee of $0.30 after the first $200, which are free. The interest business account charges a $0.50 transaction fee after the first 50 which are free. Please find more details here: https://www.bofifederalbank.com/business-banking/products-services/business-interest-checking.
You can mobile deposit checks at Axos Bank. You can deposit checks into your checking or savings account using your smartphone or other mobile device. Simply take a photo and upload your check directly to your account.
