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Auto Loan FAQs

Getting started

How do I apply for a Wells Fargo Auto loan?

At this time, Wells Fargo Auto loans are only available through dealerships. With a network of nearly 11,000 dealerships nationwide, be sure to ask the dealership if Wells Fargo Auto financing is available to you. If your loan is funded by Wells Fargo Auto, we'll service your account.

How do I enroll in online banking?

With Wells Fargo Online, you'll need to complete a one-time enrollment process. You'll need your Social Security number and date of birth to get started.

You can access and manage your auto loan account from your desktop or mobile device to:

  • View account details and transactions
  • Make payments
  • Set up automatic payments
  • View, download, or print up to 12 months of online statements
  • And more 

If you have questions or need assistance with the enrollment process, please call us at 1-800-956-4442.

Where do I find my account number?

Your 10-digit auto loan account number can be found in the following places:

Welcome Letter

Your account number is provided with the loan details in the welcome letter that you receive in the mail after your new loan is funded.

Account Statement

Your account number is at the top of your monthly statement and on the payment coupon at the bottom of the statement.

Online

To view your complete account number, sign on, select your auto loan from Account Summary, and then select Account…1234.

Phone

If you're unable to find your auto loan account number, please call us at 1-800-289-8004.

How do I read my auto loan statement?

Your auto loan statement provides timely information about your account, such as your payment amount due and payment activity. Find out more about how to read your statement (PDF).

You can access up to 12 months of statements online. Sign on and then select Statements and Documents.

How do I receive online statements?

As an Online Banking customer, you have access to view, download, and print up to 12 months of auto loan statements. If you'd like to stop receiving paper statements in the mail, sign on to your account and select Manage delivery preferences.

Understanding your auto loan

What is a simple interest loan?

Your Wells Fargo Auto loan is a simple interest loan. Simple interest is a method of allocating monthly loan payments between interest and principal. The amount of your payment allocated to interest is calculated based on your unpaid principal balance, the interest rate on your loan, and the number of days since your last payment.

Example
If we receive a payment and it's been 29 days since your last payment, then you'll be charged 29 days of interest on the unpaid principal balance of your loan. The remainder of your payment is credited to principal and reduces the unpaid principal balance on your loan.

How is interest calculated on my auto loan?

With a simple interest loan, interest accrues daily. As you pay off the principal balance, the daily interest charge will decrease.

To calculate the daily interest charge, first convert the interest rate percentage into a decimal by dividing the interest rate by 100. Multiply that number by your principal balance, and then divide by the number of days in a year (365 or 366 for a leap year). This will give you the daily interest charge.

Example
If the loan has a 9% interest rate and a $10,000 principal balance, you convert the interest rate into a decimal: 9 / 100 = .09, and calculate the daily interest charge: .09 x $10,000 / 365 = $2.47 daily interest.

How much of my monthly payment is interest?

With a simple interest loan, there's a daily interest charge and you'll pay interest on the number of days between your payments.

Example
If the daily interest charge is $2.50, and it's been 30 days since your last payment was made, the interest due will be $75.00 ($2.50 x 30 days). Let’s use the same daily interest charge, but now say it's been 40 days since your last payment was made, the interest due will be $100.00 ($2.50 x 40 days).

If you defer a monthly payment, this will extend the term of your loan, and the interest will continue to accrue until the next payment is made. The outstanding loan balance will continue to accrue interest until the loan is paid off.

The total interest paid over the term of your loan may be different from what's shown on your loan agreement. If you pay your loan early, the amount of interest will be less, and if you pay your loan late, the amount of interest will be more.

Why does the amount of interest I pay change each month?

The amount of interest paid each month changes because the daily interest amount decreases as the principal balance decreases.

At the beginning of the loan, the principal balance is higher, and as a result, the daily interest amount is higher. As you start paying down your principal balance, the amount of interest you pay each month decreases.

Additionally, interest accrues daily, and the number of days between payments makes a difference. More days between payments results in more days of interest charges, and fewer days between payments results in fewer days of interest charges.

Are there fees on my account?

Your contract has information about late fees, finance charges, and other fees or charges that may apply to your loan account. If you need a copy of your contract, please call us at 1-800-289-8004.

Note: Fees may apply for payments made through third parties such as MoneyGram and Western Union.

Payments

How do I make a payment?

You have many options for making payments.

Set up automatic payments

With automatic payments, your payment is debited monthly from your checking or savings account at no cost. To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Set up Autopay. 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. (Don't 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 and a Wells Fargo account isn't 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, change, or cancel automatic loan payments?

To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Set up Autopay. 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.

If you'd like to change your automatic payment, you'll need to cancel the recurring schedule and then set up Autopay again. To cancel your automatic payments, sign on, select your auto loan from Account Summary, and then select Manage Autopay. Please allow at least 3 business days before the automatic payment is scheduled to withdraw.

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 shouldn't 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, please call us at 1-800-289-8004.

How are payments applied to my loan?

If you're making your monthly payment that is currently due, or if your monthly payment is past due, it will be applied in the following order:

  1. Accrued interest
  2. Principal
  3. Fees and other charges (if applicable)
    For example, late fees
  4. Additional principal payment
    The additional amount will pay down your principal balance and will be applied to your next payment due, unless you tell us you're making a principal-only payment. If your account is already paid ahead 3 months, the additional amount will be applied to the principal only. Find out how to make a principal-only payment.

Refer to your monthly statement to see how your payment was applied to interest, principal, fees, and other charges.

View payment examples (PDF) for more information.

Can I make a principal payment on my loan?

Yes, you can ask us to apply funds as a principal payment. This will lower your outstanding principal balance, which may result in less interest paid over the life of the loan.

When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. You can pay your account up to 3 months in advance. Once the account is paid ahead 3 months, additional funds go toward principal only. Find out how payments are applied to your loan.

How do I make a principal-only payment?

If you’d like to have additional funds applied to principal only, here are 3 ways to pay:

  • Automatic payments - Sign on and select your auto loan from Account Summary. Select Set up Autopay and include the additional amount to be applied to principal.
  • Mail - Note the additional principal amount using the payment coupon attached to your statement.
  • Branch - Ask a Wells Fargo team member to apply the additional payment amount to the principal balance.

Note: Principal-only payments won’t change the amount of your next payment or the due date. If you've incurred any late fees, the principal payment will be applied after any past due amounts and charges.

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

There may be a fee for missing a payment or making a late payment. You can find this information in your loan agreement. Since there is a daily interest charge on loans, more interest accrues when there are more days between payments. As a result, you may pay more interest over the life of the loan.

Example
If the daily interest charge is $2.50, and it has been 30 days since your last payment was made, the interest due will be $75.00 ($2.50 x 30 days).

Let's use the same daily interest charge, but now say it has been 40 days since your last payment was made. The interest due will be $100.00 ($2.50 x 40 days).

Find out how to calculate the daily interest charge.

If you're having difficulty making payments on your loan, we may have options available for you. We have information on help with payments, or call us at 1-800-289-8004.

I made a payment on my auto loan, but it hasn't posted to my account. How do I provide proof of my payment?

Confirm your payment to us online through your Wells Fargo account. Sign on and select Upload Documents from your auto loan. Follow the steps to upload and submit your documentation.

Acceptable documents for proof of payment include:

  • Front and back of a cleared check
  • Money order stubs
  • Transaction detail from an online bill pay provider
  • Payment receipt
  • Bank statement

Keep these upload guidelines in mind:

  • Attach accepted file formats: PDF, JPEG, JPG, PNG, or GIF
  • Upload no more than 25 files and 25 MB total
  • Make sure your files are not encrypted or password protected
  • Make sure your documents are clear, legible, and include all pages – even blank ones

We'll review your documents and contact you if we need additional information.

Help with payment challenges

What is a payment deferment?

A payment deferment pushes out your due date and extends the loan maturity date.

Example
If your payment due date is scheduled for March 15, 2024, and you were approved for a one-month deferment, your next payment date would be April 15, 2024. If your maturity date is January 15, 2025, and you are granted a one-month deferment, your maturity date will be February 15, 2025.

Call us for more information and to see if you are eligible for a deferment. 

I can't afford to pay my entire monthly loan payment right now. What should I do?

We can work with you on payment arrangements to help you get back on schedule. The more we understand about your situation, the better we'll be able to suggest relevant options. Call us so that we can assist you.

I can't afford my auto loan payments. Can I turn in my vehicle?

If you're unable to make your auto loan payments and would like to surrender your vehicle, call us so we can discuss your options. A voluntary surrender means we'd take possession of the vehicle, sell it, and apply the amount we receive from the sale to the amount you owe us. If the proceeds from the sale are not enough to pay the full amount you owe us, you may be responsible for paying the remaining balance.

Is there a grace period before I am charged a late fee?

Grace periods vary from state to state, so please review your loan contract for information about the grace period and late fees. If you're unable to find your loan contract, please call us for more information or to request a copy.

Does a late payment affect my credit?

If your payment is 30 or more days late, it may show up on your credit report as a late payment. The degree to which a late payment affects your credit score can depend on things like how many days past due the payment is, how recently you've been past due, and how frequently you’ve made late payments.

Review your credit report regularly so you know where you stand. Request a free copy of your credit report from annualcreditreport.com or from each of the nationwide consumer reporting agencies: Equifax, Experian, TransUnion, and Innovis.

Why can't I make an online payment?

The status of your account may have an impact on your ability to pay online. For example, if your account is past due, you can make a same-day payment but may not be able to schedule a future payment. Also, if you've had more than two payments with insufficient funds in the past 12 months, you won't be able to make a payment online. Call us for more information or if you need assistance making a payment.

What happens if I make a payment that does not clear?

If a payment is returned unpaid, we may attempt to present the payment to your financial institution one more time. Your financial institution may charge a fee each time the payment is returned. If the payment doesn't clear, you’ll need to resubmit the payment once you have sufficient funds in your bank account.

Can I get payment assistance through the Servicemembers Civil Relief Act? (SCRA)

The SCRA may allow us to adjust the interest rate on your auto loan to 6%, which may lower the payment. For more information, refer to the Servicemembers Civil Relief Act or call us at 1-877-254-9687, Monday – Friday, 7 am - 8 pm Central Time. For general assistance outside of SCRA hours, call us at 1-800-289-8004.

Information about vehicle repossession

What is a vehicle repossession?

If you don't make the loan payments owed under your contract, we may repossess your vehicle. After repossession, you may need to pay to get the vehicle back or we may sell the vehicle to pay off your account. If you're delinquent on your payments and concerned about possible repossession, call us as soon as possible.

I received a letter that requires strict compliance to an agreement. What does that mean?

If your account is past due, you may receive a letter from us with a requirement to strictly comply with the auto financing agreement that you signed. This letter lets you know what to do to bring your account current, and how to avoid repossession. If you have questions, call us right away so we can discuss options with you.

I received a Right to Cure letter. What does that mean?

If your account is past due, you may receive a Right to Cure letter from us. This letter lets you know what to do in order to bring your account current – or how to "cure" the default and avoid repossession. If you have questions, call us right away so we can discuss options with you.

If you repossess my vehicle, can I get it back?

If we repossess your vehicle, there may be options to get it back. After repossession, we'll send you a letter with specific details about your account. In some cases, you can "redeem" your vehicle by paying the full amount outstanding (plus repossession costs), or "reinstate" your account by paying the outstanding monthly payments (plus repossession costs). Each situation is different, and we want to help you. Please call us at 1-888-937-9992, Monday – Thursday, 7 am - 7 pm and Friday, 7 am - 6 pm Central Time for more information.

What happens to my vehicle after it is repossessed?

If we repossess your vehicle, and you don't redeem the vehicle or reinstate the account, we'll sell the vehicle at auction and apply the amount we receive from the sale of the vehicle to the amount you owe us. If the proceeds from the sale are not enough to pay the full amount you owe us, you may be responsible for paying the remaining balance.

Loan payoff

Where can I find the payoff amount for my auto loan?

Online

Sign on, select your auto loan from Account Summary, and then Get a payoff quote.

Account Statement

View your payoff amount and daily interest on your monthly account statement.

Phone

Call us at 1-800-289-8004 to obtain an automated payoff quote or to speak to a representative.

If you choose to pay off your account after the date provided, please call us to obtain an updated quote.

What steps should I take before paying off my loan?

When preparing to pay off your loan

  • Discontinue automatic payments or bill pay transfers at least 3 business days prior to payoff.
  • 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. Find out when you'll receive your title.
  • 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.

How do I pay off my auto loan?

There are several ways to pay off your loan:

Online

Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. If your payoff amount is less than $5,000, you can make an online payment to pay off your account.

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
    1750 Lincoln St.
    Denver, CO 80274-0002

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 S3983-01G, 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's listed on the account

Branch

You can pay off your loan at any Wells Fargo banking location and a Wells Fargo account isn't required.

MoneyGram or Western Union

MoneyGram and Western Union may be an option; however, transaction limits vary, and third-party fees may apply. Please contact them for more information.

  • MoneyGram® - Include your 10-digit Wells Fargo Auto account number and Receive Code 1815.
  • Western Union® - Include your 10-digit Wells Fargo Auto account number, Western Union City Code CATX, and State Code TX.

Note: It can take up to 45 days for your credit report to show your auto loan as paid in full. We report the same information to all 4 credit reporting agencies – Equifax, Experian, TransUnion, and Innovis.

What happens if I paid more money than the payoff amount?

Any additional amount that you paid will be returned to you by check. It typically takes 2 to 3 weeks for processing and mail delivery.

Title and registration

How do I obtain registration for the vehicle I purchased from a dealership?

The dealership where you purchased the vehicle will submit the registration paperwork to your local motor vehicle department. This process may take up to 30 days. For additional questions related to your registration, please contact the dealer where you purchased your vehicle.

When will you release my title after I pay off my loan?

After we receive the final payment and the account balance is satisfied, we'll send you a paid-in-full letter and start the title release process within 3 to 6 calendar days. We'll use the shortest timeframe to release the title according to the type of funds used for payoff, or if the loan originated in one of the states listed below, whichever is less. If you don’t receive the title after 60 days from the paid-in-full date, you may need to contact your local motor vehicle department.

Note: If Wells Fargo Auto isn't listed as the lienholder on the certificate of title at the time of payoff, we'll be unable to release the title.

If you have additional title-related questions, please call us at 1-888-329-4856, Monday – Friday, 7 am to 8 pm, and Saturday, 7 am to 5:30 pm Central Time.

We'll begin the title release process within 3 calendar days if paid off by:

  • ACH (Automated Clearing House)
  • Bank official check
  • Cash
  • Cashier’s check
  • Enterprise Car Sales dealers
  • Franchised dealer check
  • Money order
  • MoneyGram
  • State and local government check (Wells Fargo Auto does not accept second endorsements; check must be payable to Wells Fargo Auto.)
  • Traveler’s check
  • U.S. treasury check (Wells Fargo Auto does not accept second endorsements; check must be payable to Wells Fargo Auto.)
  • Wells Fargo Online Banking
  • Western Union
  • Wire transfer

Or if the loan originated in: 

  • Arkansas
  • California
  • Louisiana
  • Maryland
  • Massachusetts
  • Missouri
  • Montana
  • New York
  • Pennsylvania
  • Tennessee
  • Washington, D.C. 

We'll begin the title release process within 6 calendar days if paid off by: 

  • Bill Pay (Metavante and CheckFree)
  • Escrow/title check
  • Independent dealer
  • Insurance check
  • Other non-guaranteed funds
  • Personal check
  • Phone
  • Trade-in to a Utah dealer
  • Wells Fargo Autopay

Or if the loan originated in all remaining states not listed above.

If you have additional title-related questions, please call us at 1-888-329-4856.

When will I receive the certificate of title for my vehicle?

Title release timelines vary by state and are based on where your loan originated. For your reference, we are providing general state guidelines:

AL, AK, AR, CT, DC, DE, HI, IL, IN, ME, MS, NH, NJ, NM, ND, OR, RI, TN, UT, VT, WV, and WY
We'll notify the local motor vehicle department to release the lien, and then will mail the paper title to you. Please allow time for the title to arrive through the mail.

AZ, CA, CO, GA, IA, ID, LA, MA, NC, NE, NV, PA, SC, SD, TX, VA, WA, and WI
We'll notify the local motor vehicle department to release the lien. They'll then mail the paper title to the authorized party once they receive our release.

KS, KY, MD, MI, MN, MO, MT, NY, and OK
We'll notify the local motor vehicle department to release the lien and will provide a lien release to the authorized party. The registered vehicle owner should have the title. Please allow time for the lien release to arrive through the mail. If the registered vehicle owner does not have the title, please contact the local motor vehicle department.

FL and OH
We'll notify the titling agency to release the lien. If you'd like a copy of the title, please contact the titling agency directly. Fees may apply.

If you have additional title-related questions, please call us at 1-888-329-4856, Monday – Friday, 7 am to 8 pm, and Saturday, 7 am to 5:30 pm Central Time.

What is a lien release?

A lien release is a notarized document sent after the vehicle has been paid off to show that Wells Fargo Auto is no longer the lienholder. Note: If you already have the paper title in hand, or are waiting on the motor vehicle department to mail your paper title, you don't need a lien release. If requested, we'll send a lien release for a paper title maintained by a customer. If you have additional title-related questions, please call us at 1-888-329-4856, Monday – Friday, 7 am to 8 pm, and Saturday, 7 am to 5:30 pm Central Time.

Can I sell my vehicle while my loan account still has an outstanding balance?

To transfer a title, your loan needs to be paid in full. Once you've received your paper title, visit your local motor vehicle department to complete the transaction. For customers who maintain paper titles, you'll need a lien release from us.

I need to change a name on my vehicle title and my loan account has an outstanding balance. What should I do?

Begin by checking with your motor vehicle department to find out what title documentation you’ll need. (Requirements vary by state.) When we receive the request, we’ll send the title documentation in the appropriate format.

  • If the motor vehicle department asks for a copy of the title, an electronic screen-print, or an authorization letter, you or the motor vehicle department can request that from us.
  • If the motor vehicle department requires the original paper title, they'll need to request the title from us. (Converting an electronic title to a paper title could take up to 6 weeks, depending on motor vehicle department processing time.)

You’ll then go to the motor vehicle department to formally request the title change. The motor vehicle department will either send the information to us directly or will provide you with the required document. If you receive the document from the motor vehicle department, you can submit it to Wells Fargo Auto, along with one of the following documents:

  • Articles of amendment
  • Certificate of domestic partnership
  • Certified court order
  • Death certificate (if removing someone from the title that is deceased)
  • Divorce decree
  • Motor vehicle department request
  • Marriage certificate
  • Notarized affidavit of same name statement
  • Petition for a name change
  • State-issued identification (such as driver's license or identification card)

Submitting motor vehicle department requests and supporting documents

Motor vehicle department requests and supporting documents can be submitted to us online, by mail, or by fax.

Online

Sign on and select Upload Documents from your auto loan.

Keep these upload guidelines in mind:

  • Attach accepted file formats: PDF, JPEG, JPG, PNG, or GIF
  • Upload no more than 25 files and 25 MB total
  • Make sure your files are not encrypted or password-protected
  • Make sure your documents are clear, legible, and include all pages – even blank ones

Mail

Wells Fargo Auto
Attn: Title Maintenance Team
MAC S3983-01C
2501 S Price Rd., First Floor
Chandler, AZ 85286-7896

Fax

Title Maintenance Team
1-844-432-1446

Note: Wells Fargo Auto will remain on the title as the lienholder until this account is paid in full.

If you have additional title-related questions, please call us at 1-888-329-4856.

I moved out of state. How do I transfer my vehicle title to a different state while my loan account still has an outstanding balance?

Contact your local motor vehicle department to verify the state’s title and registration requirements.

To release the title, we need to receive a written request from the motor vehicle department (on their letterhead) requesting the change. If the motor vehicle department requires the original paper title to complete this transfer, we need a rejection letter or a written request from the motor vehicle department, matching the copy of the title or electronic screen-print. Converting an electronic title to a paper title could take at least 4-6 weeks, depending on the motor vehicle department processing time.

Requests can be submitted to us online, by mail, or by fax.

Online

Sign on and select Upload Documents from your auto loan.

Keep these upload guidelines in mind:

  • Attach accepted file formats: PDF, JPEG, JPG, PNG, or GIF
  • Upload no more than 25 files and 25 MB total
  • Ensure your files are not encrypted or password protected
  • Make sure your documents are clear, legible, and include all pages – even blank ones

Mail

Wells Fargo Auto
Attn: Out-of-State Transfers
MAC S3983-01C
2501 S. Price Rd., First Floor
Chandler, AZ 85286

Fax

Out-of-State Transfers
1-844-432-1446

Note: Wells Fargo Auto will remain on the collateral documents as lienholder until this account is paid in full.

If you have additional title-related questions, please call us at 1-888-329-4856.

Account Servicing

What happens to my account if a mailed payment or correspondence is received late as a result of the United States Postal Services (USPS) service standards that went into effect on October 1, 2021?

The USPS service standards may result in a delivery window of up to five days for certain First-Class Mail items. Please take this delivery timeframe into account when mailing items, such as a payment, to us via USPS. 

If your mailed payment is received after the payment due date, and any applicable grace period, there may be a fee for making a late payment. For a more convenient way to pay, consider making a payment 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.

Can I send you a document electronically?

Yes, send selected documents to us online to:

  • Provide proof of payment on your account
  • Change a name on the vehicle title
  • Transfer a vehicle title to a different state
  • Change an account holder name on your auto loan

Sign on and select Upload Documents from your auto loan. Select the reason for your upload and the type of document, and follow the steps to complete the process.

Keep these upload guidelines in mind:

  • Attach accepted file formats: PDF, JPEG, JPG, PNG, or GIF
  • Upload no more than 25 files and 25 MB total
  • Make sure your files are not encrypted or password- protected
  • Make sure your documents are clear, legible, and include all pages – even blank ones

We'll review your documents and contact you if we need additional information. 

How do I update an account holder name on my auto loan?

If you need to update a name on your auto loan, you’ll need to provide us with legal documentation for the change you’re requesting. Acceptable forms of documentation include:

For changing a name: marriage certificate, divorce decree, petition for a name change, certificate of domestic partnership, certified court order, birth certificate, U.S. passport (unexpired), state-issued identification (driver’s license or identification card), or U.S. military identification card. For business accounts only: articles of amendment (must include EIN) or EIN verification letter (IRS form 147c)

For correcting a name: state-issued identification (driver’s license or identification card)

For removing a name: death certificate

You can send the documentation to us online through your Wells Fargo account. Sign on and select Upload Documents from your auto loan. Follow the steps to upload and submit your documents.

Keep these guidelines in mind:

  • Attach accepted file formats: PDF, JPEG, JPG, PNG, or GIF
  • Upload no more than 25 files and 25 MB total
  • Make sure your files are not encrypted or password protected
  • Make sure your documents are clear, legible, and include all pages – even blank ones

We'll review your documents and contact you if we need additional information.

Note: Changing a name on your auto loan does not update the name on the vehicle title. Learn more about changing a name on a vehicle title.

I'm trading in my vehicle. Is there anything I need to do?

The dealership will contact us to pay off the loan on your behalf. The dealership will assist you in purchasing a new vehicle and creating a new, separate loan agreement for that vehicle.

How do I request authorization to take my vehicle out of the country?

Before you drive or ship your financed vehicle out of the country, you need a signed authorization from us. Authorization is for temporary travel only, not to exceed 60 days for non-military travel. We don't approve permanent relocation for non-military purposes. Your account must be current and in good standing to qualify for authorization.

To request an authorization, please send us a written request with the travel dates and the destination country, along with a copy of the vehicle registration. Also, please provide the additional documentation for your specific request type:

Driving to other countries

Proof of valid insurance that:

  • Is effective during travel dates
  • Shows the vehicle identification number (VIN) of the covered vehicle
  • Shows Wells Fargo Auto as the loss payee
  • Covers 80% of the current account balance or actual cash value

Shipping within the United States or to other countries

  • Proof of valid insurance covering the vehicle during shipping is required. This may be listed on the insurance policy as "shipping" or "port-to-port" coverage
  • Military customers: copy of applicable military orders. (Note: Military orders showing military coverage while the vehicle is in transit and listed as "Privately Owned Vehicle" [POV] or "Authorization for Shipping" may be substituted for proof of insurance.)

Mail

Wells Fargo Auto
Attn: Correspondence Support
MAC N9159-01S
1801 Park View Drive, First Floor
Shoreview, MN 55126

Fax

1-844-497-8670

Please allow three to five business days for processing from the date that we receive the required documentation.

Insurance information

Do I need insurance on my vehicle?

As stated in your loan contract, you are required to maintain insurance on your vehicle throughout the duration of the loan. Your insurance policy must name Wells Fargo Auto as the loss payee.

My vehicle was damaged in an accident. Do I still need to pay my auto loan payment(s)?

Yes. You are responsible for making your regular monthly payments until the loan is paid off. You should contact your insurance company to begin the claims process.

If you have Guaranteed Asset Protection (GAP) coverage on your loan, and your vehicle is a total loss, some or all of the balance after the insurance settlement is applied may be covered. If there is a remaining balance on the loan after the GAP payout is determined, you are responsible for making regular monthly payments until the loan is paid off. You can also make a one-time payment, if you prefer.

My vehicle was in an accident, and I received an insurance check for the repairs. How do I cash the insurance check when it is payable to both Wells Fargo Auto and me?

If the check amount is $2,500 or less, you can take the check to a Wells Fargo branch and ask an employee to endorse it on behalf of Wells Fargo Auto. Find a Wells Fargo banking location near you. If you are unable to visit a branch, please call us at 1-800-825-8506, Option 4.

If the check amount is more than $2,500, please call us at 1-800-825-8506, Option 4, for instructions on how to endorse the check and for next steps. We’re available to assist you Monday – Friday, from 7 am to 7 pm Central Time.

Aftermarket products - general

What are aftermarket products?

Aftermarket products are optional products, services, or insurance that may be purchased from the dealership along with your vehicle. Some examples include:

  • Guaranteed Asset Protection (GAP) pays all or a portion of the loan balance after the payment of a total loss insurance claim.
  • Service contracts (also referred to as extended warranties) provide coverage in the event that a major mechanical component of the vehicle, such as an engine, transmission, heating/cooling system, seal, gasket, and/or fuel system, needs repair. The coverage typically lasts for a specific period of time or vehicle mileage.
  • Anti-theft protection includes devices or services, such as tracking, that make the vehicle (or the component of the vehicle) more difficult to steal or easier to recover if it is stolen. It can also provide a financial benefit after a theft.
  • Surface protection for the interior or exterior of the vehicle.
  • Maintenance packages are prepaid plans that typically cover scheduled maintenance, such as oil changes, on the vehicle.
  • Credit life insurance pays off all or some of your loan if you pass away.
  • Credit disability insurance assists with making your loan payments if you become unable to do so due to disability.

Should I buy an aftermarket product?

This is a personal decision for you to make based on your needs. When deciding to buy an aftermarket product, consider the cost, what is covered and excluded, how long the coverage lasts, and how you plan to use the vehicle. The purchase of aftermarket products is optional and is not required to receive approval for your loan.

I have questions about an aftermarket product I purchased. Who should I contact?

Contact the dealership where you purchased your vehicle, or the coverage provider, for more information. If you need a copy of the aftermarket product contract, call us at 1-800-289-8004.

I bought an aftermarket product and can't remember what it covers. Where can I find this information?

The contract for the aftermarket product will provide specific details of the coverage. If you have questions, contact the dealership where you purchased your vehicle. The dealer can best explain the aftermarket product, what is covered, and how it works. If you still have questions after you contact the dealership, or if you need a copy of the aftermarket product contract, call us at 1-800-289-8004.

I don't remember buying an aftermarket product. What should I do?

Contact the dealership where you purchased your vehicle and request a signed copy of the aftermarket product contract. All purchased products require a signature. If the dealer is unable to provide a signed copy, call us at 1-800-289-8004.

What should I do if my vehicle has mechanical issues?

If your vehicle is under warranty, or if you purchased a service contract, your vehicle may be covered. Review the terms of your warranty or service contract, as applicable, or contact the service contract provider for more information. 

If your vehicle is not under warranty, and you didn’t purchase a service contract, contact your local dealership to determine other repair options.

How do I file a claim or use my aftermarket product?

Contact the coverage provider for information about filing a claim or using the product. The coverage provider will let you know if they’ll reimburse you for expenses or if they’ll pay the expenses at the time a covered service is performed.

Does refinancing my loan affect the aftermarket product I purchased?

Refinancing your loan may affect aftermarket product coverage, but it depends on the product you purchased. Review the terms in the contract to understand whether refinancing your vehicle will affect the coverage. While most products are generally not affected, Guaranteed Asset Protection (GAP) coverage typically ends when the loan is refinanced or paid off.

Can I extend my warranty or coverage?

Contact the coverage provider to find out if an extension is possible. If you need a copy of the aftermarket product contract, contact the dealership or call us at 1-800-289-8004.

Aftermarket products - cancellation and refunds

Can I cancel an aftermarket product?

The aftermarket product contract will state whether the product can be canceled. In general, products or services that have already been provided or installed, such as interior/exterior surface protection, anti-theft systems, or etching/security labels, can’t be canceled. If you have questions, contact the dealership or coverage provider for more information.

How do I cancel an aftermarket product?

Contact the dealership or coverage provider to cancel the aftermarket product as they can best advise you on the cancellation process. In some cases, you may be required to complete a cancellation form or submit a written request to the dealer or coverage provider. 

If you purchased Guaranteed Asset Protection (GAP), credit life insurance, and/or accident & health insurance and would like to cancel the product(s), contact the dealership, or call us at 1-800-289-8004, and we can start the cancellation process for you.

If I sell or trade in my vehicle, will I get a refund for my aftermarket products?

For a Guaranteed Asset Protection (GAP) product, we’ll issue a refund for any unused portion after the payoff of your loan. The refund processing time may take up to 120 days. Note: Some GAP products may not be eligible for a refund. Review your GAP contract to confirm eligibility. 

For all other aftermarket products, contact the dealership or coverage provider to find out if you’re eligible for a refund. They will be able to provide more information about any potential refunds and timing.

Will I get a refund if I cancel the aftermarket product?

The aftermarket product contract should state whether you’re entitled to a refund. If the contract doesn’t include this information, contact the dealership or your coverage provider to request it. If you need a copy of the aftermarket product contract, contact the dealership, or call us at 1-800-289-8004.

How much will my refund be?

Contact the dealership or your coverage provider to request a quote for the refund. Factors such as aftermarket product type, the purchase and cancellation dates, vehicle mileage at the time of purchase and cancellation, purchase price, and the state in which your loan originated can affect how the refund is calculated. To request a copy of the aftermarket product contract, contact the dealership or call us at 1-800-289-8004.

How long will it take to get my refund?

Timing varies among types of aftermarket products, coverage providers, and states in which the loan originated. Contact the dealership or your coverage provider for more details. To request a copy of the aftermarket contract, contact the dealership or call us at 1-800-289-8004.

Does Wells Fargo Auto issue the refund?

The refund process varies based on the type of aftermarket product. The refund may be issued by us, the dealership, or the coverage provider. To find out who will issue your refund, call us at 1-800-289-8004.

How will I receive my refund from Wells Fargo Auto?

If your account balance is zero, we’ll send you a check.

If you have an account balance, we’ll apply the refund to your principal balance. Note: The refund will not apply toward your monthly payment and will not reduce your monthly payment amount. This may reduce the amount of interest you pay, and it may help you pay off your loan more quickly than the original term.

I’m unable to cancel the aftermarket product with the dealer. What should I do?

For products that can be canceled, if the dealer has been unresponsive to your cancellation request, has refused to cancel the product, or is out of business, call us 1-800-289-8004 for assistance.

Guaranteed Asset Protection (GAP) coverage

What is Guaranteed Asset Protection (GAP)?

GAP is an optional product that covers any "gap" between the amount owed on the loan and the vehicle’s value in the event of a total loss. Some exclusions apply. It's important to review the coverage details to understand the limitations of GAP coverage.

Example
Your vehicle was in an accident and deemed a total loss. Your insurance company determines that the fair market value of the vehicle is $10,000, so that is what they paid out. The remaining loan balance on the vehicle is $13,000. After insurance, you still owe $3,000. If you have GAP, the remaining $3,000 may be covered. GAP may not cover late payments, late fees, or deferred payments.

Is GAP the same as auto insurance?

No, GAP coverage only helps in the event of a total loss and is considered a supplement to your primary insurance. Auto insurance covers the vehicle, while GAP covers the loan. Find out more about Guaranteed Asset Protection (GAP).

Why doesn't GAP carry over if I refinance my loan?

GAP applies to a specific loan and is not transferable. If you’d like GAP coverage on your new loan, you’ll need to purchase a new GAP product.

Will I get a GAP refund if my loan is paid off early?

If you pay off your loan early, or if the vehicle has been repossessed and sold, we’ll initiate cancellation of your GAP product. We’ll either send you the refund for any unused portion (if your account balance is zero) or apply the refund to your principal balance. Refund processing time may take up to 120 days. Note: Some GAP products may not be eligible for a refund. Review your GAP contract to confirm eligibility.

My vehicle has been damaged or stolen. I have auto insurance and GAP. What should I do?

You should contact your insurance company to begin the claims process. If your vehicle is deemed a total loss or was stolen, we’ll initiate the GAP claim once the insurance settlement has posted to your account. We’ll send you a letter letting you know the claim has been started and stating whether we need your help gathering documents to complete the claim. If you have any questions during this process, call us at 1-800-289-8004.

My vehicle has been damaged. I don’t have auto insurance, but I have GAP. What should I do?

If your vehicle has been sufficiently damaged, and if permitted by your GAP contract, you may be eligible to file a GAP claim despite not having insurance coverage. A claim may help cover a portion of the amount owed on your loan. You should consider contacting the GAP administrator, or the dealership where you purchased the vehicle, to see if you are eligible to file a GAP claim, or if it would be beneficial to cancel the GAP product and receive a refund for the unused portion, if applicable.

Why do I still have a loan balance if I have GAP?

There are limitations and exclusions for GAP, which you can find in the GAP contract. For example, GAP may not cover late payments, late fees, or deferred payments. If you have questions about the coverage, contact the dealership or the coverage provider. If you need a copy of the GAP contract, contact the dealership or call us at 1-800-289-8004.

How do I apply for a Wells Fargo Auto loan?

At this time, Wells Fargo Auto loans are only available through dealerships. With a network of nearly 11,000 dealerships nationwide, be sure to ask the dealership if Wells Fargo Auto financing is available to you. If your loan is funded by Wells Fargo Auto, we'll service your account.

How do I make payments on my auto loan account?

Set up automatic payments

With automatic payments, your payment is debited monthly from your checking or savings account at no cost. Sign on to your account to set up recurring payments, or you can call us at 1-800-559-3557, Monday – Friday, 8 am - 6 pm local time.

Pay online

Sign on to your account to make a payment. Not enrolled in Wells Fargo Online®? Enroll now.

Pay by phone

Call 1-800-559-3557, 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. (Don't send cash.) Write your account number on your check or money order. Mail your payment to:

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

Pay in person

You can make payments at any Wells Fargo banking location and a Wells Fargo account isn't required.

Other ways to pay

  • MoneyGram® - Include your 17-digit Wells Fargo Auto account number and Receive Code 2459. The company name is Wells Fargo Auto. Please note: Third-party fees may apply.
  • Western Union® - Include your 17-digit Wells Fargo Auto account number, Western Union City Code WF Auto Finance, and State Code PA. Please note: Third-party fees may apply.

Additional principal payments

When you pay more than the total amount due, on or before the due date, the additional amount will pay down your principal balance and will be applied to your next payment due. You can pay your account up to three months in advance. Once the account is paid ahead three months, additional funds go toward principal only.

If you’d like to have additional funds applied to principal only, here are four ways to pay:

  • Automatic payments - Sign on to your account and include a principal only payment with your recurring payments.
  • Online - Sign on to your account to make a payment, and select the principal payment option.
  • Mail - Note the additional principal amount using the payment coupon attached to your statement.
  • Branch - Ask a Wells Fargo team member to apply the additional payment amount to the principal balance.

Note: Principal-only payments won’t change the amount of your next payment or the due date. If you've incurred any late fees, the principal payment will be applied after any past due amounts and charges.

Can I make extra payments?

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

You can also mail your payment along with instructions that you'd like the additional amount applied to principal only to:

Wells Fargo Auto
MAC S3983-01R
2501 S Price Rd.
Chandler, AZ 85286-7896

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.

You can also make additional payments by calling us at 1-800-559-3557, Monday – Friday, 8 am – 6 pm local time.

Can I change my payment due date?

Yes, after you make your first payment, you may request a one-time due date change by calling us at 1-800-559-3557, Monday – Friday, 8 am - 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'll 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 us at 1-800-559-3557, Monday – Friday, 8 am - 6 pm, local time. Please allow 3 to 5 business days for processing from the date we receive the required documentation.

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

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

Can I trade in my car before I've paid off my loan?

Yes, but call us at 1-800-559-3557, Monday – Friday, 8 am - 6 pm, local time for specific details. We'll release title or its equivalent when the loan is paid in full.

How do I pay off my auto loan?

To make a same-day pay-off, sign on to your account. If you are not making an immediate online payment, please call us at 1-800-559-3557, Monday – Friday, 8 am - 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: Payoffs
MAC S3983-01R
2501 S Price Rd.
Chandler, AZ 85286-7896

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

Please call us at 1-800-559-3557, Monday – Friday, 8 am - 6 pm, local time for specific details. We'll release title or its equivalent when the loan is paid in full.

 

What is principal balance?

Principal balance is the unpaid balance on a loan, which is also called the "amount financed."

What is currently due?

Currently due is the payment that is due in the current billing cycle.

What is past due?

Past due is when the payment is late and hasn't been made as of its due date. In certain cases, for example when a loan is charged off or your vehicle has been repossessed, payments may be applied in a different order. Please call us if you have questions.