Sat. Feb 27th, 2021

Axos Bank launched in 2000 and is owned by San Diego-based Axos Financial. You will not find any brick-and-mortar branches, but there are bank offices across the country. In addition to personal loans, Exos Bank offers CDs, plus checking, savings, money market and retirement accounts.

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  • The loan application process is completely digital as Exos Bank is online only.
  • Flexible loan terms are one to five years.
  • You can borrow between $ 5,000 and $ 35,000.
  • No collateral is required.


  • You will need a credit score of at least 720.
  • APR can be as high as 29.99% depending on your credit.

What can Exos Bank Personal Loans be used for?

Exos Bank Unsecured Personal Loans can be used to consolidate credit card debt, allowing home improvements to be done without any tapping home equity loan, Or to cover large expenses such as medical bills, weddings or holidays. Personal loans ranging from $ 5,000 to $ 35,000 are available, and banks will deposit the money in a check or savings account within two business days of loan approval.

Because Exos Bank Personal loan Unsecured, the interest rate can be higher than secured personal loans that require collateral. But the advantage of a personal loan is that it is usually cheaper than running a credit card loan for life expenses, and you can get a short term loan of one to five years from Exos Bank.

If you like the idea of ​​an online bank, Exos also offers checking and savings accounts, and can transfer money from a personal loan to your linked account.

How do Exos Bank personal loans work?

Exos Bank says that you can complete your online personal loan application within a few minutes. First of all, you will ensure that you qualify for a personal loan:

  • Credit score of 720 or more.
  • Verifiable Income.
  • A solid credit history of at least two years.

Then, you will choose a loan amount between $ 5,000 and $ 35,000. Exos Bank will offer you an offer without performing Hard credit check, So you don’t have to worry about damaging your FICO score. You must have a valid ID and social security number.

If you proceed with the application process, Exos Bank will verify your credit history, score and income and request information such as your address and date of birth.

If you want help with the online loan application process, you can call or email Exos Bank at 866-923-3625

Keep in mind that you cannot use Exos Bank personal loan for student loan loan. If you need a loan business purposes, Axos provides small business and commercial banking and lending tools.

In addition, borrowers may not use the loan:

  • Fund illegal activities.
  • Buy drugs or other illegal content.
  • Buy weapons or firearms.

What are the terms, fees and conditions for Exos Bank personal loan?

Exos Bank’s origination fees range from 0% to 2%, and annual percentage rates range from 6.49% to 29.99% depending on credit history and credit score. All personal loan rates are set.

The lender offers repayment terms of one to five years. If you decide to repay your loan early, Exos Bank will not assess the penalty.

How can you qualify for an Exos Bank personal loan?

You must have a credit score of at least 720 and a verifiable income to qualify for an unsecured personal loan from Exos Bank. Financial institutions want to see a credit history of at least two years.

What credit score do you need for an Exos Bank personal loan?

Exos Bank requires a minimum credit score of 720 for personal loans, which according to credit reporting agency Experian is considered “good”. This requirement is much higher than some other lenders who can score as low as 585 Bad credit borrowers Those who want a personal loan.

In addition to the credit score, Exos reviews at least two years of credit history, including your payment history and available credit versus loan.

Where does Exos Bank operate?

Exos Bank is an online bank and provides financial services to customers nationwide.

Is Exos Bank Reputable?

The Better Business Bureau gives Exos Bank an A + rating. In 2020, the Consumer Financial Protection Bureau received two personal-loan-related complaints about Exos Bank, and the company provided timely feedback to each.

Exos Bank is Federal Deposit Insurance Corp-Insurance.

How is Exos Bank customer service?

Exos Bank has a support page with a few options, including how-to videos, FAQs and a virtual financial assistant named Evo. If you decide to call customer service for a personal loan at 866-923-3625, someone will respond from Monday to Friday from 7 am to 6 pm PST.

What are some of Exos Bank’s online features?

Because Exos Bank is completely online, you will do a promotion and apply for a personal loan Exos website. Each part of the banking experience with Exos ranges from providing documentation to making payments, digitally.

Axos also provides an app. You can create account alerts, automate bills, set up biometric authentication, and manage your account from a web or app dashboard.

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