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Emergency loans

Cover emergency costs starting at 6.74% APR,

Check your rate with no impact to your credit score.

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Manage expenses with an emergency loan

Critical home repairs

Get funds to fix severe plumbing, electrical, or structural issues.

Emergency travel

Pay for last-minute transportation and lodging.

Unexpected funeral costs

Get financial support for burial and memorial services.

Legal fees

Manage the upfront costs to hire a lawyer for representation.

Flexible financing when you need it most

  • Amounts from $3,000 to $100,000 and terms from 12 to 84 months
  • No origination fee, no closing fee, and no prepayment penalty
  • Interest rate discount of 0.25% or 0.50% with Autopay from a qualifying Wells Fargo account
See options with no impact to your credit.

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Emergency loan FAQs

It's a personal loan used to pay for unexpected, urgent expenses. Emergency loans are often used to cover critical repairs for your home, such as HVAC system replacement, plumbing, electrical, or structural issues. An emergency loan can also pay for last-minute travel and lodging, temporary housing, legal fees, or medical care. When you apply for an emergency loan through Wells Fargo, you can select the loan option that fits your budget.

First, take a look at your loan options. You'll be able to view rate and payment estimates with no impact to your credit score. When you find the right fit, applying only takes minutes, and most customers receive a same-day credit decision. If approved, you could get funds as early as the same day you sign, like 97% of our customers do.

The APR you're offered on an emergency loan can vary based on your loan amount, repayment term, and credit history. When you check loan options for the amount you need, you'll be able to see your rate. You may also be eligible for a 0.25% or 0.50% discount with Autopay from a qualifying Wells Fargo account.

You can choose emergency loan amounts from $3,000 to $100,000, with terms from 12 to 84 months.  We're here to support you in finding a loan that works for you. Explore personalized loan options with no impact to your credit score. 

Yes, you may be eligible for a 0.25% or 0.50% rate discount when you use Autopay from a qualifying Wells Fargo account for your emergency loan.

Get financial support in a few simple steps

Check your rate in minutes

Start by exploring your loan options with no impact to your credit.

Choose your loan and apply

Select the rate and monthly payment that suits your needs.

Get your funds fast

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

See options with no impact to your credit.

Check my loan options

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Helpful resources

How can we help?

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 01/01/2026 to 03/31/2026. The rates shown are as of 04/02/2026 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.

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

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.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

Late fees may still be assessed.

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.

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

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