At a Glance
Speed, transparency, and competitive rates matter when you’re looking for a personal loan. Axos Bank, a digital-first U.S. lender, has emerged as a solid option for individuals with good to excellent credit who want a simple, no-hassle loan experience.
But how do you know if Axos is the right lender for you? Rather than applying directly and risking a hard inquiry on your credit report, platforms like Beem allow you to compare personalized Axos personal loan quotes—alongside offers from over 15 other top lenders—without impacting your credit score.
In this guide, we’ll explore:
- What Axos personal loans offer
- How to get personalized quotes in minutes through Beem
- What to look for in a loan offer
- And how Axos compares to other lenders on the Beem platform
See Also: How to Get a Fair Credit Loan from Braviant
Who Is Axos Bank?
Founded in 2000, Axos Bank is one of the earliest online-only banks in the U.S. With no physical branches, Axos offers a modern, fully digital experience and is known for its:
- Competitive interest rates
- Streamlined online application process
- Broad range of banking and lending products
- Fast disbursement timelines for qualified applicants
Regarding personal loans, Axos focuses on borrowers with good-to-excellent credit who seek straightforward loans for debt consolidation, medical expenses, major purchases, or home improvements.
Why Compare Axos Personal Loan Quotes Before Applying?
Even if Axos sounds like a good fit, comparing quotes is crucial before applying. Here’s why:
1. Rates Vary by Applicant
Your interest rate with Axos—or any lender—depends on your credit score, income, employment, and debt-to-income ratio. The only way to know what you’ll pay is to compare quotes.
2. Other Lenders Might Offer Better Terms
Even if Axos offers you 12.9% APR, another lender (like SoFi or LendingPoint) might offer you 9.8%, saving you hundreds or even thousands over the loan term.
3. One Soft Check, Many Quotes
When you use Beem, you fill out one simple form and receive multiple offers—including from Axos—without impacting your credit score.
Beem makes it easy to weigh Axos against other leading options like:
- SoFi
- Upstart
- Best Egg
- LendingPoint
- Mariner Finance
- MoneyKey
- Universal Credit
- Happy Money
- Fig Loans
- Reach Financial
Read Also: Compare Personal Loan Quotes from Top Lenders: How to Find the Best Deal in Minutes
What You Get with an Axos Personal Loan
Loan Amounts and Terms
- Borrow between $5,000 $50,000
- Choose repayment terms from 3 to 6 years (36–72 months)
Interest Rates and Fees
- Fixed APRs (actual rate depends on creditworthiness)
- No prepayment penalties
- Possible origination fee depending on your profile
Disbursement Time
- Apply online in minutes
- If approved, funds are typically available within 1 to 2 business days
Use Cases
- Debt consolidation
- Credit card payoff
- Emergency medical bills
- Major purchases
- Vacation or wedding costs
- Home improvement projects
How to Check Your Axos Personal Loan Quote on Beem
Step 1: Download the Beem App
Beem is available for both iOS and Android. Setup takes just a couple of minutes.
Step 2: Fill in Your Basic Information
You’ll be asked for:
- Loan amount
- Loan purpose
- Credit score
- Zip code
Step 3: Get Personalized Quotes
In under 2 minutes, you’ll see real-time quotes from Axos and other Beem lending partners. You can compare:
- APRs
- Loan amounts
- Loan terms
- Origination fees (if any)
- Disbursement speeds
You can apply directly from the app once you’ve found your best-fit offer.
Axos vs. Other Lenders on Beem
Axos is a strong lender for applicants with good credit and stable income. But how does it compare to other popular names?
| Lender | Best For | Loan Amount | APR Range (Typical) |
| Axos Bank | Good credit, digital-first experience | $5,000–$50,000 | Competitive (credit-based) |
| SoFi | High loan limits, no fees | $5,000–$100,000 | Low for top-tier credit |
| Upstart | Thin credit files, alternative approval | $1,000–$50,000 | Moderate–High |
| Best Egg | Fast disbursement, good credit borrowers | $2,000–$50,000 | Moderate |
| LendingPoint | Flexible terms, mid-tier credit | $2,000–$36,500 | Moderate–High |
| NetCredit | Fair credit, fast decisions | $1,000–$10,000 | Higher (risk-based) |
Depending on your financial profile, another lender may offer better terms than Axos. Beem makes these comparisons fast and effortlessly.
Tips to Get the Best Axos Loan Rate
Even if you’re leaning toward Axos, a few smart moves can increase your chances of getting the lowest rate:
1. Boost Your Credit Score
- Pay down existing credit card debt.
- Make all payments on time
- Dispute any errors on your credit report
2. Lower Your Debt-to-Income Ratio
- Lenders look at how much of your income goes toward debt
- Try to keep this ratio under 35% for best results
3. Avoid Recent Credit Inquiries
- Don’t apply for multiple credit cards or loans before seeking a personal loan.
4. Apply Through Beem
- Access multiple quotes in one place, including Axos
- Know where you stand without harming your score
What if Axos does not approve you?
Axos has relatively strict credit requirements. You may be denied if your score or income doesn’t meet their standards, but you’re not out of options.
Beem automatically shows you other loan offers from top-tier and alternative lenders who may be more flexible.
These include:
- Happy Money – Great for credit card debt
- Credit Ninja – Offers small loans with quick approval.
- Braviant Holdings – Loans for credit-building and non-traditional applicants
- Universal Credit – Solid choice for fair credit
- Opploans and Elevate – Considered by many with limited credit history
- Everdraft™ – Beem’s feature for instant cash advances (no loan approval required.
Everdraft™: Your Backup Plan for Quick Cash
If you’re not ready for a full personal loan or need a small amount urgently, Beem’s Everdraft™ feature is built for that.
- No hard credit check
- Funds available quickly
- Helps cover emergencies between paychecks
- Use while comparing loan offers or while waiting for disbursement
It’s a great alternative to payday loans, with a user-friendly experience inside the Beem app.
Conclusion
Axos Bank offers a fast, modern way to borrow money, but it’s one of many strong lenders in the market. Using Beem, you can see your Axos personal loan quote and compare it to others from trusted lenders—all in one simple dashboard, with no damage to your credit score.
Whether you qualify with Axos or find a better offer from SoFi, Upstart, or Best Egg, the key is comparing before committing.
Ready to see your options? Download Beem and check your Axos personal quote today.
FAQs About Axos Personal Loan Quotes
What credit score do I need for an Axos loan?
Axos Bank typically requires a credit score of 670 or higher. Applicants with good to excellent credit are more likely to qualify and receive lower interest rates. However, approval also depends on other factors like income, debt-to-income ratio, and employment history.
Can I compare Axos loan quotes with those of other lenders?
Yes. Beem allows you to compare quotes from Axos Bank alongside offers from 15+ other top U.S. lenders. You’ll see side-by-side results that make choosing the best rate, term, and monthly payment easy.
Will checking my quote affect my credit?
No. Beem uses a soft credit inquiry, which does not impact your credit score.
If you apply directly with Axos or another lender, a hard credit pull will occur.
How fast can I get money from Axos?
Once approved, Axos typically disburses loan funds within 1 to 2 business days. The timing depends on bank processing, document verification, and approval speed.
What if Axos denies my application?
If you’re Axos, do not approve you; Beem will instantly recommend alternative lenders based on your credit profile. These may include options for fair credit, limited credit history, or even cash advance solutions like Everdraft™.
