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Rate and Payment Calculator

Get an estimate of monthly payments for a personal loan or line of credit.

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About these estimates

InformationAnnual percentage rates (APRs) shown for unsecured personal loans and unsecured personal lines of credit are based on your self-reported credit rating and recently approved applications with a similar credit rating. Your actual APR will be determined once an application is submitted and a credit decision is made.

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Terms

Maximum loan terms presented are based on loan type, term, and amount you wish to borrow. Available terms may vary beyond what is presented in this tool. Lines of credit are open-ended and do not have a maximum term.

Monthly Payment

The total amount of interest and principal you pay for a loan or line of credit each month.

Credit Rating

Also known as a credit score. Many lenders use this numeric calculation of your credit report to obtain a fast, objective measure of your credit risk and consider your credit score, in addition to other factors, when deciding whether or not to approve an application for a loan or line of credit.

Amount

The minimum amount to finance an unsecured loan, secured loan, or unsecured line of credit with Wells Fargo is $3,000; for a secured line of credit, the minimum is $5,000. The amount of money you are eligible to borrow is based upon several factors, including your credit and financial history.

APR (Annual Percentage Rate)

The cost of a loan or line of credit, including the interest rate and other fees, calculated for a year (annualized) and expressed as a percentage of the amount of the loan or line of credit.