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Loans and Lines of Credit Help

You have questions, we have answers

Top Questions

What information do I need to provide to apply for a loan or line of credit?

To complete a loan or line of credit application, please gather the following information. This will be needed for both applicants if you are submitting a joint application.

Note: We only accept online or phone applications for a Personal Loan or Line of Credit from customers who have an existing account with us. If you do not have an existing account with us, please visit a Wells Fargo branch to speak to a personal banker about your credit options.

Personal information

  • Social Security Number
  • Date of birth
  • Mother's maiden name
  • Email address
  • Home phone number
  • Current address (and mailing address, if different from residential address)
  • Previous address (if you’ve lived at your current address less than 3 years)

Employment and income information

  • Occupation
  • Work phone number
  • Employer name
  • Previous employer (if you’ve worked at your current job less than 3 years)
  • Gross monthly income amount and source(s) of income (all sources you want considered for your loan)
  • Monthly mortgage or rent payment amount

Loan and line of credit information

  • Type of loan or line of credit you are applying for
  • Desired term (if you’re applying for a personal loan)
  • Loan or line of credit amount
  • Preferred payment due date

Additional documents (requested as necessary)

Once your application is reviewed, we may request additional information from you, such as:

How much can I apply for?

We offer a variety of personal credit products for your needs. To find out more about amounts available, go to our Personal Credit Comparison Table.

What loan terms are available?

Personal Loans:

  • 12 – 36 months for loans under $5,000.
  • 12 – 84 months for loans of $5,000 or more.

CD/Savings Secured Loans:

  • May extend up to 120 months.

What are your current interest rates?

Please use our Rate and Payment Calculator to estimate current interest rates for a loan or line of credit.

How long does it take to receive a credit decision?

You could have a credit decision in a little as a few minutes, but some decisions may take longer depending on various circumstances.

You will be able to track your loan or line of credit application status using our online system if you share your email address with us at the time of application.

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Top Questions

How do I start the private student loan process?

Start by entering your information to find out which private student loan meets your needs. You can also learn more about the process by reading Student Loans Step by Step.

What do I need to apply for a private student loan?

To receive a private student loan you will need to apply through a private lender, such as Wells Fargo. Here's what you’ll need to apply.

How do I make a payment?

You have various options for making payments on a Wells Fargo private student loan, including paying online, by phone at 1-800-658-3567, by mail, or at a Wells Fargo location. Learn more about student loan payment options.

What if I miss a payment or make a late payment?

If a payment is missed or is paid late, no late fee will be assessed, however:

  • Additional interest will accrue resulting in a higher total cost of repaying the loan. (see: How does the date my payment is received impact my loan)
  • The loan may be reported to the consumer reporting agencies as past due. Delinquencies are reported for each individual loan, whether loans are combined in a single billing statement or billed separately.
  • It may prevent or delay the ability to qualify for cosigner release.

We are committed to helping you successfully repay your student loan(s). Options may exist that could help you repay your loan(s). If you are having difficulty making payments, please call us at 1-800-658-3567.

Will I need a cosigner?

A student that meets our income and credit history requirements may qualify on his or her own without a cosigner. A cosigner is not required in order to apply. However, a cosigner may potentially help you qualify for the loan or get a lower interest rate.

Undergraduate students typically may need to apply with a creditworthy cosigner in order to meet our income and credit history requirements. Graduate students can often qualify on their own without income.

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