With Personal Loan rates as low as 6.99% APR, now may be a great time to take care of your finances. Get started by checking your rates. Apply when you're ready.
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.
This calculator shows how a Wells Fargo Personal Loan may benefit you if you consolidate your existing debts into a single fixed rate loan. Here’s how:
- The combined estimated monthly payments that you enter will be compared to the estimated monthly payment for a Wells Fargo Personal Loan.
- We’ll show you the amount of time to pay off your existing debts compared to the amount of time to pay off a Wells Fargo Personal Loan, as well as the difference in total interest paid.
- Consolidation means you will have one payment monthly for the combined debt, but it may not reduce the amount of interest you pay or pay your debt off sooner.
This tool is for illustrative and educational purposes only. 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 01/01/2025 to 03/31/2025. The rates shown are as of 04/04/2025 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.
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.
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.
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.
Enter what you pay each month or leave blank and we'll calculate your payment using minimum payment industry average.
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QSR-07242025-6292199.1.1
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