Personal Loans

Do nearly anything with a personal loan

Skip the fees and check your rate and payment options in minutes

Check my loan options

Whether you're looking to improve your home, fix up your car, or plan a dream vacation, a Wells Fargo personal loan could help with all that and more.

Getting started is as easy as 1, 2, 3

 

1. Check your rate and loan options in minutes — with no credit impact.

  

2. If you receive loan options, easily apply online for the one that best fits your budget.

 

3. Get your funds as early as the same day you sign for your loan.

Wells Fargo personal loans feature:

  • Competitive fixed rate and fixed monthly payments. 
  • Interest rate discount with auto pay from a qualifying Wells Fargo account.
  • No origination fees, closing fee, or prepayment penalty.
  • Loans from $3,000 to $100,000.
  • Terms from 12 to 84 months.
  • No need to provide collateral like your home or vehicle.

Información importante y notas al pie de página

Late fees may still be assessed.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from July – September 2025).

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Declaraciones informativas

  • Using an unsecured personal loan for an auto purchase, a refinance, or a lease buy-out allows you to avoid using your auto as collateral, although you may qualify for a lower interest rate with a secured auto loan.
  • Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

  • Equal Housing Lender

  • LRC-0525