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When you want to buy a home, upgrade your car, or send your child to college, it’s helpful to look at all of your financing choices. Choosing the right loan or line of credit could mean you can lower your interest rates or reduce your expenses over time. Here are a few credit options that can help you finance life’s big expenses:
When buying a car, you might consider an auto loan where the car is used as collateral to secure the loan. Auto loans can be available through banks when you purchase from a dealer or a private party. If you’re buying the car at a dealership, they may have their own financing unit there as well.
As the cost of college tuition and other school expenses continues to rise, many students and their parents turn to federal and/or private student loans to help fund higher education. When it comes to financing your education, be sure to look at all of your options - including grants, scholarships, and loans from all sources - and make careful comparisons among all your choices. If you determine a student loan is right for you, you might consider the following:
For students who have left or completed college, a consolidation loan allows you to refinance your existing federal and/or private student loans into one new loan and may help reduce your monthly student loan payment. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term you may pay more in interest over the life of the loan.
From buying a car to paying for college, there are a number of credit options available to help meet your financial goals.
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You must be the primary account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts. Other consumer accounts may also be eligible. Contact Wells Fargo for details.
Please note that the score provided under this service is for educational purposes only and may not be the score used by Wells Fargo to make credit decisions. We may use other FICO® Score versions and other information when you apply for credit. There are many factors that Wells Fargo looks at to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not necessarily guarantee a specific loan rate, approval of a loan, or an automatic upgrade on a credit card.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
When you apply for credit, your lender may calculate your debt-to-income (DTI) ratio based on verified income and debt amounts, and the result may differ from the one shown here.
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