Navegó a una página que no está disponible en español en este momento. Seleccione el enlace si desea ver otro contenido en español.

Página principal

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, gather the following information. Please note that this will be needed for both applicants if you are submitting a joint application.

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 – 60 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.

More Information

Top Questions

What are the current rates for new and used auto loans?

Looking to purchase a car? Wells Fargo can help with competitive rates, flexible terms, and outstanding service.

Check current rates

How do you determine the interest rate on my auto loan?

Your auto loan rate is based on your:

  • Credit history
  • Loan amount financed
  • Loan to value (LTV) on the vehicle
  • Banking relationship with Wells Fargo*

Also, if the vehicle you want to refinance has over 100,000 miles or is 8 years or older, it may negatively impact your loan eligibility.

*To qualify for a customer relationship discount, you must maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. Only one relationship discount may be applied per application. Auto loans obtained from a dealership (where the dealer is the lender) do not qualify for the relationship discount. To learn which accounts qualify for the discount, please consult a Wells Fargo banker. If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.

How does my credit score impact my auto loan interest rate?

Applicants with higher credit scores and excellent credit history may receive better auto loan interest rates.

What information do I need before I apply for a loan?

Before you apply for an auto loan, be sure that you have the following information available:

  • Personal and contact information — including your Social Security Number, previous addresses, and monthly mortgage or rent payments 
  • Employment and income information — such as your gross income, current and previous employment history, and employment status 
  • Current vehicle information — including the Vehicle Identification Number (VIN), year, make, and model of the vehicle, and mileage 

To see if you’re ready to apply, use the Loan Application Checklist.

Are there vehicles Wells Fargo doesn’t refinance?

We do not finance commercial vehicles, salvage vehicles, or conversion vans. Additionally, titles cannot be registered in a Business Name.

More Information

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 paid late, a late fee will be assessed if the current payment and past due (if any) amount is not paid before the applicable payment grace period expires and the delinquency may be reported to the consumer reporting agencies as past due. Please note that if you plan to request a cosigner release, missed or late payments may prevent or delay your ability to qualify for this option. Late fees are assessed and delinquencies reported to the consumer reporting agencies for each individual loan, whether loans are combined in a single billing statement or billed separately.

Example of missing a payment
If a customer misses the February payment (does not pay the current payment and past due (if any) amount before the applicable payment grace period expires) and there are 3 loans on the billing statement, the missed payment:

  • Will result in the assessment of a late fee on each loan (a total of 3 late fees)
  • May result in the 3 loans being reported to the consumer reporting agencies as past due.

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 can qualify on his or her own without a cosigner. However, a cosigner may potentially help you qualify for the loan or get a lower interest rate.

Undergraduate students typically 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.

More Information