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Rates as low as 5.74% APR
Consolidate debt, pay for home improvements, or make a major purchase
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This Annual Percentage Rate (APR) is for a $10,000 personal loan with a 3 year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown. Your APR will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history, amount of credit requested and income verification.
Why Wells Fargo?
Customizable loans
From $3,000 to $100,000 and flexible terms from 12 to 84 months.
Competitive rates
Fixed interest rates and relationship discounts for qualified customers.
Skip the fees
No origination fee, no closing fee, and no prepayment penalty.
Fast access to funds
Often on the same or next business day.
Personal loan
Debt consolidation
Related information
Existing application
Repay a personal loan in terms of 12-84 months. Rates range from 5.99% to 24.49% APR. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $12,000 borrowed over 36 months at 11.99% Annual Percentage Rate (APR), the monthly payment is $399. This example is an estimate only and assumes all payments are made on time.
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To open an account:
1-877-526-6332
Questions about your existing account:
1-877-269-6056
At least 10% of approved applicants qualified for the lowest rate available based on data from 07/01/2020 to 09/30/2020. The rates shown are as of 10/30/2020 and subject to change without notice.
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.
To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.
Late fees or returned payment fees may still be assessed.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
Important information. We only accept online or phone applications for a personal loan from customers who have an existing account with us. Please visit a Wells Fargo branch to speak to a personal banker about your credit options.
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