Personal Loans

Do nearly anything with a personal loan

You can check your rate and payment options in minutes — with no impact to your credit score

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Whether you’re looking to improve your home, plan a dream vacation, or consolidate debt, a Wells Fargo personal loan could help with all that and more. And you can tailor your loan to fit your budget.

Why choose a Wells Fargo personal loan?
Enjoy flexibility, transparency, and peace of mind with these standout benefits:

  • Predictable payments — fixed monthly payments and a competitive fixed interest rate
  • No hidden fees — absolutely no origination fees, closing costs, or prepayment penalty
  • Customizable options — borrow $3,000 to $100,000 with terms from 12 to 84 months
  • No collateral required — keep your home and vehicle safe; no assets needed
  • Quick funding — get your funds as soon as the same day you sign for your loan

Important Information and Footnotes

Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you. New credit accounts are subject to application, credit qualification, and income verification.

Late fees may still be assessed.
Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.
On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

Disclosures

  • Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
  • Equal Housing Lender

  • LRC-0326