Personal Loan Rate and Payment Calculator

With Personal Loan rates as low as 6.74% APR, now may be a great time to take care of your finances. Get started by checking your rates. Apply when you're ready.

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term, and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

Personal loans are only available to existing Wells Fargo customers who have a qualifying consumer product that has been open for a minimum of 12 months.

Get an estimate of monthly payments for a personal loan.

Repay a personal loan in terms of 12-84 months. Rates range from 6.74% to 25.99% Annual Percentage Rate (APR), which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. 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.

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About these estimates

InformationAnnual percentage rates (APRs) shown for personal loans are based on your self-reported credit rating, and include a relationship discount of 0.25% with auto pay from a qualifying Wells Fargo account. Your actual APR may be higher than the rate shown. Loan APRs vary by amount borrowed, term selected, and credit history.
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Información importante y notas al pie de página

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

This tool is for illustrative purposes and is provided solely as a convenience to estimate rates and payments. Your actual rates and payments may differ from the estimates provided by this calculator. We are not responsible for the accuracy, completeness, or usefulness of the information provided by this calculator, and we have no obligation to extend an offer of credit or to match your terms to the terms provided by this calculator.

Wells Fargo does not make loans for educational purposes.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

A fin de calificar para un descuento por relación de cliente, debe mantener una cuenta de cheques al consumidor de Wells Fargo que califique y hacer pagos automáticos desde una cuenta de depósito de Wells Fargo. Para obtener más información sobre las cuentas que califican para el descuento, consulte a un representante bancario de Wells Fargo o nuestras Preguntas frecuentes. Si se cancelan los pagos automáticos por cualquier motivo en cualquier momento después de la apertura de la cuenta, la tasa de interés y el pago mensual correspondiente podrían aumentar. Solo puede aplicarse un descuento por relación por cada solicitud.

Declaraciones informativas

  • Los productos de depósito se ofrecen a través de Wells Fargo Bank, N.A. Miembro FDIC.

  • DT1-09032026-12-8364211-1.1

State of residence

We ask for state of residence because rates for some products may vary based on location.

APR (Annual Percentage Rate)

The cost of a loan, including the interest rate and other fees, calculated for a year (annualized) and expressed as a percentage of the amount of the loan.

Amount

The minimum amount to finance a personal loan with Wells Fargo is $3,000. The amount of money you are eligible to borrow is based upon several factors, including your credit and financial history.

Credit Rating

Also known as a credit score. Many lenders use this numeric calculation of your credit report to obtain a fast, objective measure of your credit risk and consider your credit score, in addition to other factors, when deciding whether or not to approve an application for a loan.

Monthly Payment

The total amount of interest and principal due monthly, based on the amount you entered. Loan payments are fixed based on the original loan amount.

Terms

Maximum loan terms presented are based on loan type, term, and amount you wish to borrow. Available terms may vary beyond what is presented in this tool.