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Personal Loans for Debt Consolidation

Consolidate debt with rates from 6.74% APR,

Check your rate with no impact to your credit score.

Check my loan options

Benefits of a debt consolidation loan

Make one monthly payment

Use our Debt Consolidation Calculator to see what your fixed monthly payment could be.

Paying less interest could help reduce debt faster

For more advice, see our tips and resources for managing debt.

Manage debt on your own terms

Loan amounts from $3,000 to $100,000 and terms between 12 and 84 months.

Get your funds fast

Most customers receive their funds the same day they're approved.

Fixed interest rates as low as 6.74% APR,

With predictable monthly payments and rates from 6.74% to 26.74% APR, you can find peace of mind on your journey.

Personal loan rates
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Personal loan awards

WalletHub 2026 Best Debt Consolidation Loans
WalletHub
2026 Best Debt Consolidation Loans
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Questions about debt consolidation loans

A personal loan for debt consolidation combines multiple debts into a single loan with a fixed interest rate and repayment term. You can consolidate debts from credit cards, mortgages, and other sources. Please note that college student loan debt is not eligible for this type of personal loan.

Consolidating your debt can be a smart move if you have multiple higher-interest debts. It could help you pay off your debt faster, lower your interest payments, and get down to one monthly payment. 3  You'll need to have a credit score that's high enough to qualify for a lower interest rate. Otherwise, a personal loan for debt consolidation may not be the right option for you.

Debt consolidation merges other qualifying debts you have into one loan. When you're approved for the new loan, those funds are used to pay off existing debts. Depending on the terms of your new loan, you could simplify your finances by making a lower monthly payment and paying off your debt sooner.

In some cases, debt consolidation loans can temporarily lower a borrower's credit score. But they can also have a positive impact on your credit score in the long term, if the loan is used responsibly and payments are made on time.

How can we help?

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.

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.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 04/01/2026 to 06/30/2026. The rates shown are as of 07/10/2026 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 $17,000 borrowed over 48 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $464. This example is an estimate only and assumes all payments are made on time.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term. Rates shown include a relationship discount of 0.25%.

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.

The Annual Percentage Rate (APR) of Existing Debt(s) is calculated by taking a weighted average of the APRs and current balances that were entered on the previous page. This weighted average APR is used to calculate the values for the Estimated Interest to be Paid and Estimated Time to Pay Off Debt(s) with a new Wells Fargo personal loan shown on this page. Actual figures may vary based on the APRs and balances of existing debt(s) at the time of consolidation.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2026).

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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