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Use Credit for Your Goals

Unleash your borrowing power

Learn how to get the most out of credit. Start with a financial plan, find out what lenders are looking for, and then evaluate which credit option is best for your needs. 

How to Use Credit

Learn the credit basics and determine how you could potentially lower your interest rate.

Make a Financial Plan
Know Your Credit Options

How Interest Rates Are Determined
The Importance of Your Past Credit 

Buy a Home, Refinance, or Use Home Equity

From using credit to buy a new home, to using the equity in your home to fund major purchases, get the details about the variety of credit options to choose from.

Home Lending Learning and Planning
What Lenders Look At

Home Loans and Programs
Credit Concerns and Home Financing  

Buy a Car

Besides an auto loan, you can also use a personal or home equity loan or line of credit to pay for a new vehicle.

Ways to Pay for Your Car

Credit Quality and Auto Loan Rates 

Pay for School

Understand which credit options you can use to cover college tuition. Wells Fargo offers student loans, personal loans, and home equity loans.

Start or Grow Your Business

Find the best Wells Fargo credit product to manage cash flow, finance purchases, or expand your business, and learn how we make our lending decisions.

Questions to Consider

Our Five Lending Criteria