Personal Loans for Debt Consolidation
Debt Consolidation
Simplify your finances by consolidating higher-interest debt with personal loan rates as low as 6.74% APR,
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.
If you have multiple higher-interest debts, a personal loan could help you combine them into a single loan with a predictable, fixed payment each month. See more tips and resources to help you manage debt.
Use our Debt Consolidation Calculator to see how a new fixed interest rate could lower your monthly payment, interest paid, or both.
Customize your loan to fit your needs, with a term between 12 and 84 months and a loan amount from $3,000 to $100,000. You'll get a competitive fixed interest rate, a fixed monthly payment, and no hidden fees.
You can check your loan options in minutes with no credit impact. Applying is quick, too — most customers get a same-day credit decision. If you’re approved, you could have funds the same day you sign for your loan.
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.
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.
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.
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.
Late fees may still be assessed.
On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2025).
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-07052025-6200275.1.1
LRC-0124
