Manage My Loan

It’s easy, safe, and secure! Use the Axos app or sign in online to schedule a one-time or recurring payment. You can also make additional principal payments.

Follow these steps:

1. Sign in to your Axos account.
2. Navigate to your loan account.
3. Select to make monthly payment.
4. Follow prompts to set up automatic recurring payments or schedule your monthly payment.

You can make a payment directly from your preferred bank account – either online or by check. When mailing a check, be sure to allow time for your payment to get to us!

If you’re making an additional principal payment, reference “principal payment” on the check. Otherwise, it will post as a partial payment.

Mail your payment to:

Overnight or Loan Payoff, mail to:

Send a secure message when you sign in online or through the mobile app. In the message, let us know how you’d like us to handle the duplicate payment (please note: It can take up to 30 days for a refund):

• 

  Refund

• 

  Credit funds to the next billing period

• 

  Apply payment to principal balance

If your bank is already processing an ACH return, your duplicate payment will be refunded through that method instead of what you note in your secure message.

You may also dispute the duplicate payment with your financial institution.

You can set up automatic loan payments through the Axos app or when you sign in online. Once signed in, navigate to your loan account, and select to make a monthly payment. Follow the prompts to set it up as a monthly payment.

Please note: Requests need to be created at least 3 days before scheduled draft date.

Automatic payments will never cause an overdraft when using an Axos savings or checking account. If funds are unavailable in your Axos account, your payment will try to post the following business day.

Please note: This does not apply to payments made from a non-Axos account.

It’s easy! Sign in to your account online or through the mobile app, navigate to your loan account, and select to make a payment.

You can also pay by check. Please include loan number and reference “principal payment” on the check. Otherwise, it will post as a partial payment.

Mail principal only payment to:

If you have 3 or more consecutive returns, any scheduled automatic payments will be cancelled.

Please keep your account and draft information updated to ensure you receive notices and avoid returned payments.

Sign in to your account online or through the mobile app and select Messages to submit a secure message to our team. Please include:

• 

  Amount

• 

  Date

• 

  Description of the transaction

You can make your request when you sign in online or through the Axos app. From the main menu, select Support to initiate your request via a secure message. Payoffs are generally ready within 7 calendar days and are processed in the order received.

When you make your request include:

• 

  Date you’d like to pay off your loan

• 

  Email address where payoff can be sent

• 

  Where to forward your paid in full letter and title

Third parties requesting a payoff demand can submit their request to [email protected].

For partial payoffs or loan recasts, email [email protected] to make a request.

Please note: Partial payoffs may take up to 30 days to process.

Liens are released 30 days after your loan is paid in full. A paid in full letter and your original promissory note will be mailed to you separately.

Liens are released 30 days after your auto loan is paid in full.

If you live in an electronic title state, an updated title will be sent directly from your local department of motor vehicles. If you live in a paper title state, we will mail the released original title. A paid in full letter and your title will be mailed separately.

You must contact GAP provider, for loans that are not paid off refund will be applied to principal balance

To obtain payoff for total loss vehicle, please email [email protected].

Your promissory note or loan contract provides details information on late fees, grace periods, and any additional fees or penalties.

You can avoid late fees by making your full monthly payment before your grace period expires.

A prepayment penalty is a fee that’s assessed when you pay off all or part of your loan early. This is only applied if it’s specifically stated in your loan contract. Most penalties expire after a set time, which is also noted in the contract or note.

Personal, auto, and home loans typically don’t have prepayment penalties. However, interest-only loans might not allow additional payments to principal. If that’s the case, then the additional amount is considered a partial payment and isn’t applied to the principal loan balance.

Sign in online or through the mobile app and send us a secure message to sign up for e-statements

Your monthly e-statements and tax forms are available through the Axos app or when you sign in online, with tax forms tied to the primary borrower’s account.

All other notices, such as time-sensitive information about insurance lapses or requirements, returned payments, and adjustable-rate change notices, are sent to your mailing address.

Depending upon your loan amount, you may have been required or elected to open an impound account (also known as escrow account) with your home loan.

This account is where deposits to your property insurance and taxes are made; commonly included insurances are hazard, flood, and property mortgage insurance (PMI). The amount is added to your monthly principal and interest payment.

Axos calculates your monthly impound payment by adding together the annual cost of your applicable property insurance and taxes, and then divides the total amount by 12 months. We then add a 2-month cushion to the escrow payment to ensure you are adequately covered if your tax or insurance amounts increase.

Your impound/escrow account is analyzed on the anniversary of your first payment. The analysis form is mailed to you.

Please update us when an agency/carrier updates the amount of an expense included on your impound account. Otherwise, we will assume amounts have remained the same if updated documents or tax bills are not received by the analysis date.

An escrow shortage is when you have a positive account balance, but it’s estimated the funds won’t cover your upcoming tax and insurance bills.

An escrow deficiency is when your account has a negative balance.

Private mortgage insurance (PMI), FHA mortgage insurance premiums (FHA MIP), homeowners insurance, and flood insurance are commonly included in impound accounts.

Elective insurance, such as earthquake and wind, can’t be added to an impound account.

To ensure the bank doesn’t have to obtain “force placed” insurance on your behalf, be sure to upload your new insurance policy (prior to expiration) through our insurance department portal.

Please provide the following name and address:

In most cases, force placed insurance occurs if Axos doesn’t have an active policy on file, your policy coverage is inadequate, or your carrier has cancelled your policy.

Additionally, if you have an HOA master policy and failed to submit it, you may have received a notification of force placed insurance. Re-submitting your HOA master policy is required on an annual basis.

If you received a mailed forced placed insurance notice, please contact us with proof of coverage. Once received, we can update our records and calculate any applicable refunds within 30 days.

Follow these steps to provide proof of coverage:

1. First, upload your insurance policy through our insurance department portal

2. Then call us at 877-634-0943

No, you do not need to contact Axos Bank. At your discretion, you may contact your insurance carrier provider for additional information, or you can send the check back to Axos to be applied to your escrow account.

Send to:

Supplemental taxes may be assessed on your property after a change of ownership or new construction is complete. They are sent directly to you from the county tax assessor’s office.

You are responsible for paying for your supplemental taxes – even if you have an impound account. Axos does not receive a copy.

You can contact your local tax assessor’s office for additional information.

Insurance check endorsements are handled by our portfolio management team. If you have a question, you may contact our team at [email protected].

Please mail your signed check to the address listed below: