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.
Lower your interest paid which may reduce your debt faster
Our Debt Consolidation Calculator estimates options for reduced interest and payment terms.
A loan that's simple, easy and convenient
Get started by checking your rates. Apply when you're ready and get a quick credit decision, typically the same day. We offer competitive fixed rates and no origination fees.
Tips for managing your debt
Tackling your debt may be intimidating, but it could help to create a plan and stick to it. We offer a number of tips and resources that can help manage your debt.
Repay a personal loan in terms of 12-84 months. Rates range from 7.49% to 23.74% 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 $13,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $438. This example is an estimate only and assumes all payments are made on time.
Still have questions?
1-877-526-6332
Monday-Friday
8:00 am – 7:00 pm
Central 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.
At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 10/01/2022 to 12/31/2022. The rates shown are as of 01/09/2023 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your credit score. 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.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
QSR-0722-01490
Sign On 
