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Car Loan FAQ's

Select a topic to learn more:

What factors contribute to the approval of a refinance auto loan?

Your ability to repay a loan, credit history, and vehicle collateral may impact your approval of a refinance auto loan.

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

Your auto loan rate is based on your:

  • Credit history
  • Length of loan term
  • Age of vehicle
  • Loan to value (LTV) on the vehicle

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.

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 is the minimum loan amount required to refinance with Wells Fargo?

The minimum auto loan amount to refinance with Wells Fargo is $7,500. The amount of money you are eligible to borrow is based upon several factors, including the type of vehicle, age and/or mileage of vehicle and your credit and financial history.

What loan terms does Wells Fargo offer for auto refinancing?

Wells Fargo offers flexible loan terms to meet your borrowing needs. We offer 24, 36, 48, 60 and 72 month terms, though this may be limited by the age of your vehicle.

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.

If I refinance my loan, when is my first payment due?

Your first payment is based on your auto loan’s closing date and can vary between 19-51 days from when the loan closed. Please refer to your loan contract for your exact due date.

Can I refinance my existing Wells Fargo auto loan?

Yes, you may be able to refinance your existing Wells Fargo auto loan. Apply online or call a Wells Fargo Auto specialist at 1-800-289-8004 for more information.

Do I need auto insurance to refinance with Wells Fargo? And how do I provide evidence of coverage?

In order to refinance with Wells Fargo, your vehicle must be covered under an active comprehensive and collision auto insurance policy naming Wells Fargo as "loss payee".  You may obtain such insurance from your choice of any insurance agent permitted under law to sell such insurance in your state. Evidence of your insurance coverage is required.

Acceptable proof of insurance includes:

  • Copy of insurance card
  • Declaration of coverage
  • Statement or binder

Are there any states in which you don’t offer auto loans?

We don’t offer auto loans in Alaska, Arkansas, Hawaii, Louisiana, North Dakota, and Washington D.C.

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
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 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


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.