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Personal Loans

Rates as low as 6.74% APR

Pay for home improvements, make a major purchase, or consolidate debt

Check my loan options

Check your rate with no impact to your credit score

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

To be eligible for a personal loan, you are required to have an open Wells Fargo account for at least 12 months.

Use a personal loan for just about anything

A personal loan can give you the financial flexibility to take on nearly anything you want to do next in life. Maybe you're ready to start home renovations. Or perhaps you've been thinking about consolidating debt. There are so many ways you can use the funds.

Home improvement

Home improvement

Major expenses

Major expenses

Debt consolidation

Debt consolidation

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Why Wells Fargo?

Customizable loans
From $3,000 to $100,000 and terms from 12 to 84 months.
Competitive rates
Fixed interest rates and an interest rate discount with auto pay from a qualifying Wells Fargo account.
Skip the fees
No origination fee, no closing fee, and no prepayment penalty.
Quick credit decision
Same-day credit decision for most customers.

Repay a personal loan in terms of 12-84 months. Rates range from 6.74% to 26.74% Annual Percentage Rate (APR), which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.

Personal Loan FAQs

It's a way to borrow money to pay for just about anything you need, like home improvements, debt consolidation, major purchases, and more. Personal loans are unsecured, which means there's no collateral, like the equity you own in your car or house. You receive funds in one lump sum and pay the loan back in fixed monthly payments, with interest calculated into the repayments. Wells Fargo offers loans from $3,000 to $100,000 with terms of 12, 24, 36, 48, 60, 72, and 84 months.

With Wells Fargo, the whole process is hassle free. First, you take a moment to check your personalized rate and payment options with no impact on your credit score. Then, choose the option that's right for your budget and complete the easy application online, by phone, or by going into a Wells Fargo branch and applying in person with a personal banker.

Your interest rate for a Wells Fargo personal loan is an annual percentage rate (APR). The APR is calculated based on a number of factors, including your loan amount, term, and credit history. When you check your loan options for a specific loan amount, you can see the rate.

It's all streamlined, every step of the way. First, checking your rate takes only a few minutes. From there, once you select the loan you want to move forward with, the application takes just a few minutes. Then, most customers get a same-day decision. Once you're approved, you could receive funds as soon as the same day you sign for your loan.

To be eligible to apply, you need to be a Wells Fargo customer for at least 12 months and meet other applicant requirements. To complete your application, you'll need to provide certain documents and information regarding your employment, income, and other qualifications. You can find everything required on our handy Application Checklist. Finally, after you accept your loan terms, you'll need to provide your signature and a few other details.

Checking your loan options, including your rates and terms, will not affect your credit score. Please note that once you make a selection and submit an application, there will be a full credit report requested from at least one credit bureau. This is considered a hard credit pull and can impact your credit score.

How can we help?

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 04/01/2025 to 06/30/2025. The rates shown are as of 07/07/2025 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

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. New credit accounts are subject to application, credit qualification, and income verification.

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.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2025).

Late fees may still be assessed.

‍ Equal Housing Lender

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

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