Get an estimate of monthly payments for a personal loan or line of credit.
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This tool is for illustrative purposes and we have provided it solely as a convenience for you to estimate rates and payments based on your assumptions for product type, loan/line amount, credit score range and preferred term (if applicable). Your actual rates and payments may differ from the estimates provided by this calculator as a result of selecting/qualifying for a different product type, loan/line amount, term (if applicable), and rate; your actual credit score; and our pricing and underwriting policies and procedures. You will receive your actual rate and payment amount (if applicable) once you have applied for a loan/line. The Line of Credit Annual Percentage Rate (APR) is variable based on the U.S. Prime Rate and is subject to change. Interest will begin to accrue on the date an advance posts to your account. We are not responsible for the accuracy, completeness, or usefulness of the information provided by this calculator, and we have no obligation to extend an offer of credit or to match your terms to the terms provided by this calculator.
You may be eligible for an interest rate discount if you have a Wells Fargo qualifying relationship and choose to deduct your monthly payment from a Wells Fargo deposit account. To qualify for a customer relationship discount, you must maintain a Wells Fargo Portfolio by Wells Fargo® relationship, or a qualifying Wells Fargo consumer checking account, and make automatic payments from a Wells Fargo deposit account. The relationship discount is 0.50% for Portfolio by Wells Fargo customers, and 0.25% for qualifying consumer checking account customers. Only 1 discount may be applied per application. To learn which accounts qualify for the discount, please consult a Wells Fargo banker. If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.
Wells Fargo Personal Lines and Loans does not make loans for educational purposes. If you need funds for educational purposes, call Wells Fargo Education Financial Services at 1-800-378-5526.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
ZIP code
We ask for your ZIP code because rates for loans and lines of credit might vary depending on your state of residence.
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 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.
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.
