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Rate and Payment Calculator

 New lower rates 

With Personal Loan rates as low as 5.24% APR, now may be a great time to take care of your finances.

Your actual Annual Percentage Rate (APR) may be higher than the rate shown. The APR shown is for a $10,000 personal loan with a 3 year term and includes a relationship discount of 0.25%. 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.

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

Maximum loan terms are presented based on loan type, term, and amount you wish to borrow. Our new 72 and 84 month term options are not yet available in this calculator. If interested in these loan terms, contact us for more information.

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About these estimates

InformationAnnual percentage rates (APRs) shown for personal loans and 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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ZIP code

We ask for your ZIP code because rates for loans and lines of credit might vary depending on your state of residence.


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 due monthly, based on the amount you entered. Loan payments are fixed based on the original loan amount. Line of Credit payments vary and are calculated monthly based on a percentage of the balance owed.

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.


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.