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Car Loan FAQs

Select a topic to learn more:

How do I enroll in Wells Fargo Online in order to manage my auto loan?

With Wells Fargo Online, you can make payments, view statements, and check your loan balance.

To manage your account, enroll in Wells Fargo Online.

What are my payment options if I do not have a Wells Fargo deposit relationship?

You can make payments from your checking or savings account held at Wells Fargo or at any other financial institution.

If you make a payment through Wells Fargo Online, your Wells Fargo checking and savings accounts are provided as payment options.

You can also easily add checking and savings accounts from other financial institutions and save them for future use.

Can I make extra payments?

Yes. You can make extra payments at any time with no penalty. If you would like to apply a portion of your payment or an additional amount to principal only, select the principal payment option within Wells Fargo Online.

Alternatively, mail your payment along with instructions that you would like the additional amount applied to principal only to:

Wells Fargo Auto
S3931-047
2800 S. Price Rd.
Chandler, AZ 85286

If you don’t designate a payment as principal only, each payment in full equal to your regular payment amount will advance your due date by one month, up to three months. Once your due date is advanced three months, all additional payments will be applied towards principal.

Can I change my payment due date?

Yes, after you make your first payment, you may request a one-time due date change by sending a secure email through Wells Fargo Online or calling customer service at 1-800-559-3557, Monday – Friday, 8 am to 6 pm, Local time.

Can I take my car out of the country if I have a loan on it?

If you want to take your financed vehicle out of the country, you will need a signed authorization from us, which must be kept in the vehicle at all times.

To request the information needed for this authorization, please call customer service at 1-800-559-3557, Monday – Friday, 8 am to 6 pm, Local time.

Please allow 3-5 business days for processing from the date that we receive the required documentation.

How do I request relief for my time in military service?

For information on requesting relief, Servicemembers Civil Relief Act (SCRA) benefits, or for ways to contact us with questions, visit our SCRA benefits page here.

How do I file for a claim if I was involved in an auto accident and I have Guaranteed Asset Protection (GAP) on my vehicle?

Contact our total loss department at 1-866-829-3395, Monday – Friday, 9 am to 6 pm, Central time.

Can I trade in my car before I have paid off my loan?

Yes, but please contact customer service at 1-800-559-3557, Monday – Friday, 8 am to 6 pm, Local time for specific details. Wells Fargo will release title or its equivalent when the loan is paid in full.

How do I pay off my auto loan?

You can make a same-day payoff through Online Banking. If you are not making an immediate online payment, please contact us at 1-800-559-3557, Monday –Friday, 8 am to 6 pm, Local time, so we can provide you with an accurate payoff quote.

Payoffs can be mailed to the address below and please include your auto loan account number:

Wells Fargo Auto
Attn: S3931-047/Payoffs
2800 S. Price Rd.
Bldg. D, Floor 4
Chandler, AZ 85286-7804

After I have paid off my loan, when will I get my title?

The time it takes to receive your title or its equivalent varies. Generally, we release our lien on the vehicle in 3-10 calendar days.  If you paid your balance with guaranteed funds, such as a bank issued Cashier’s Check, it could be released in as little as three calendar days.

Your state’s processing requirements also affect the timeline, as some states process titles electronically, while others do not. Contact your local titling or registration authority to determine its title transfer process.

For more detailed information on your Wells Fargo auto loan, call customer service at 1-800-559-3557, Monday – Friday, 8 am to 6 pm, Local time.

We offer a variety of convenient payment options

Wells Fargo Online

Payments can be made quickly and easily through Wells Fargo Online® at no charge. Pay from your checking or savings account held at Wells Fargo or at any other financial institution. Not enrolled in Wells Fargo Online? Enroll today.

  • If you signed your loan documents at a dealership or your statement says Wells Fargo Auto: eServices Login
  • If you signed your loan documents at a Wells Fargo branch or through the mail: Sign On to Wells Fargo Online

Automatic Loan Payment

Why write a check and pay postage? Make your payment, at no cost from Wells Fargo, automatically with Wells Fargo Automatic Payments. Sign on to Wells Fargo Online, select your auto loan then select the Automatic Payments link. Or call customer service for assistance at 1-800-559-3557, Monday – Friday, 8 am – 6 pm Local time. You can also download the automatic payments form, complete and mail it in. En español Autorización para transferencia automática (pago).

Mail

Mail your payments using the payment remittance coupon attached to your monthly statement. Or use the following address and please be sure to include your auto loan account number with payment. 

Wells Fargo
PO Box 51168
Los Angeles, CA 90051-5468

If you need to overnight a payment, you can send the check to:

Wells Fargo Auto
Attn: S3931-047
2800 S. Price Rd.
Bldg. D, Floor 4
Chandler, AZ 85286-7804

Pay by Phone

We are available to take your payment 24 hours a day, 7 days a week. Call our automated phone system at 1-800-559-3557.

Wells Fargo Branches

Your payments are accepted, at no cost at any Wells Fargo Bank branch.

Find a branch near you

MoneyGram

You will need the following information to process your payment:

  • Your Wells Fargo auto loan account number (17 digits)
  • Receive Code: 2459
  • Company name: Wells Fargo Auto

Third-party fees may apply. 

Western Union

You will need the following information to process your payment:

  • Your Wells Fargo auto loan account number (17 digits)
  • Western Union City Code: WF Auto Finance 
  • State Code: PA

Third-party fees may apply.