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Personal Loan Help

You have questions, we have answers

Top Questions

What information do I need to provide to apply for a loan?

To complete an application, please refer to the Application Checklist.

How much can I apply for and what loan terms are available?

We offer personal loans ranging from $3,000 to $100,000.

  • 12 – 36 months for personal loans ranging from $3,000 to $4,999.
  • 12 – 84 months for personal loans ranging from $5,000 to $100,000.

What are your current interest rates?

See our current interest rates or check your rate in minutes with no impact to your credit score. Apply when you're ready.

How long does it take to receive a credit decision?

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

For most applications, you can track your application status using our yourLoanTrackerSM if you share your email address with us at the time of application.

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Top Questions

How do I make a payment?

You have many options for making payments.

Set up automatic payments

You decide which savings or checking account you would like the money to come from each month. There is no charge for enrollment, and you can easily change or cancel the automatic payments online.

To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Enroll in Auto Pay. You can also call us at 1-800-289-8004 or download the automatic loan payments authorization (PDF), complete the form, and return by mail or fax.

Pay Online

Sign on and select your auto loan from Account Summary. You can make a payment immediately or schedule a payment up to 30 days in advance. Not enrolled in Wells Fargo Online®? Enroll now.

Pay by phone

Call 1-800-289-8004, 24 hours a day, 7 days a week to use our automated system.

Pay by mail

Make your check or money order payable to Wells Fargo Auto. Be sure to fill in all sections of a money order. (Do not send cash.) Write your account number on your check or money order. Mail your payment to:

Wells Fargo Auto
PO Box 17900
Denver, CO 80217-0900

Pay in person

You can make payments at any Wells Fargo banking location at no charge, and a Wells Fargo account is not required.

Other ways to pay

  • MoneyGram® - Include your 10-digit Wells Fargo Auto account number and Receive Code 1815. Please note: third-party fees may apply.
  • Western Union® - Include your 10-digit Wells Fargo Auto account number, Western Union City Code CATX, and State Code TX. Please note: third-party fees may apply.

How do I set up automatic loan payments?

You decide which savings or checking account you would like the money to come from each month. There is no charge for enrollment, and you can easily change or cancel the automatic payments online.

To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Enroll in Auto Pay. You can also call us at 1-800-289-8004 or download the automatic loan payments authorization (PDF), complete the form and return by mail or fax.

How do I enroll in online statements?

Sign on and select your auto loan from Account Summary. Select Enroll in eStatements and change your preference from U.S. Mail to eStatements. You can view, download, and print up to 12 months of statements.

How do I change my payment due date?

Before you apply for a due date change, you'll need to meet the following criteria:

  • You've made the first payment on your auto loan.
  • Your requested payment due date should not be more than 15 days from your existing payment due date. For example, if your existing due date is the 5th of the month, you can change it to the 20th of the month, or any day in between.
  • This is your first payment due date change. (You're allowed one payment due date change for the entire term of the loan.)
  • Your account is current or no more than 10 days past due.
  • Your loan has a fixed interest rate.

If you change your due date, your loan maturity date will be adjusted. Your monthly payment amount will remain the same.

To request a due date change:

Online
Sign on, select your auto loan from Account Summary, and then select Due Date Change Request from Account Management. Review the criteria and continue, if you are eligible. Select your desired new payment date and submit.

How do I pay off my auto loan?

When preparing to pay off your loan

  • Consider paying with certified funds, such as a cashier’s check or money order, which can help you receive your certificate of title faster.
  • Make sure Wells Fargo Auto and your local motor vehicle department have your current address on file, so your certificate of title or lien release is sent to the right address.

Know your payoff options

  • You can pay online, by phone at 1-800-289-8004, by mail, or by wire transfer. Western Union and MoneyGram may also be an option but transaction limits vary and third-party fees may apply. Please contact them for more information.

Pay off loan by mail

  1. Make your check or money order payable to Wells Fargo Auto.
  2. Write "Payoff" on the memo line of the check or money order, and include your 10-digit account number or 17-digit vehicle identification number (VIN).
  3. Mail your payoff to:

    Wells Fargo Auto
    PO Box 17900
    Denver, CO 80217-0900

    Mail an overnight payoff to:

    Lockbox Services 17900
    Wells Fargo Auto
    MAC C7301-L25
    1740 Broadway St – LL2
    Denver, CO 80274

Pay off the loan by wire transfer

Use the following information for a wire transfer, and include your 10-digit account number or processing may be delayed.

Bank Name: Wells Fargo Bank
Bank ABA Routing # – Domestic: 121000248
Bank ABA Routing # – International: WFBIUS6S
Beneficiary Account Name: Wells Fargo Auto
Beneficiary Account #: 01541881620717
Physical Address: MAC S3983-01J, 420 Montgomery St., San Francisco, CA 94104
Originator to Beneficiary Information: Account holder’s 10-digit account number and the account holder’s name as it is listed on the account

If the certificate of title should be sent to a different individual or business, make sure you provide instructions on where the title or lien release should be sent

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