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Personal Lines of Credit

Get more financial flexibility with a Personal Line of Credit

Access funds when needed and pay interest only on what you owe.
Ready to apply? Apply Now
Apply today or contact a Wells Fargo Loan Specialist at 1-888-667-5250

A Wells Fargo Personal Line of Credit offers the convenience and flexibility to help you meet life’s financial situations. You’ll enjoy easy access to a ready source of funds for recurring expenses, major life events, large purchases, or even unexpected expenses. Borrow what you need, whenever you need it without having to reapply.

Get a credit decision in as little as 15 minutes, and access to funds quickly— often within 1 business day.

Benefits of a Wells Fargo Personal Line of Credit

  • A competitive variable interest rate 
  • No collateral required
  • Line amounts from $3,000 to $100,000
  • No cash advance or balance transfer fees
  • Low annual fee of $25
  • Interest rate discounts may be available for customers with qualifying Wells Fargo consumer checking accounts

Apply Now

Time Account (CD)/Savings Secured Line of Credit

Get a lower annual percentage rate by securing your line of credit with a Wells Fargo savings or Time Account (CD). Our application is convenient and fast  —  you can get a quick credit decision and generally access funds within 1–2 business days.

Benefits of a Time Account (CD)/Savings Secured Line of Credit

  • Maintain and continue to earn interest on a savings or Time Account (CD) while meeting your borrowing needs
  • Line amounts from $5,000 to $250,000
  • Access a ready source of funds at a lower interest rate by providing approved collateral (such as a Wells Fargo CD) to secure your line of credit
  • Low annual fee of $25

Apply Now