If you’re considering a personal loan, our resources can help you learn how the process works, prepare to apply, and determine if borrowing is right for you.
Personal loans learning center
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Personal loan basics
Taking out a personal loan is a big financial decision. Learn the fundamentals of how they work, including loan structure, terminology, and financial impact.
What are the different types of loans?
Learn how different types of loans work and what to consider when choosing one.
What is personal loan underwriting?
Underwriting involves several factors. Find out how to prepare before applying.
What is a loan maturity date?
See how a loan maturity date works and why it matters when planning your payments.
Planning your loan
Get in-depth strategies to help understand your loan qualifications, creditworthiness, and repayment plans to put yourself in a stronger position to apply.
How to get a $5,000 loan
See what to consider when getting a $5,000 loan, including costs and how to apply.
How to lower your personal loan rate and total cost
Know how improving your credit, comparing lenders, or refinancing can affect your loan costs.
Paying off a personal loan early: What you need to know
Consider the benefits and drawbacks of paying off a personal loan early.
Loans for life events
Did you know personal loans can fund big events like weddings, trips, or family celebrations? Learn how personal loans work for different life events.
Emergency loans: What they are and how to get one
Unexpected expenses can happen. Understand your borrowing options and what to consider.
What is a debt consolidation loan and how does it work?
Weigh the pros and cons of debt consolidation and how it could affect your credit.
Can you finance a roof? Know your roof financing options
Roof financing options vary in cost and terms. Compare your choices and what to consider.
Explore personal loans from $3,000 to $100,000
- Fixed-rate personal loans with terms from 12 to 84 months can help cover large expenses, consolidate eligible high-interest debt , or pay for emergency expenses
- Same-day credit decisions for some applicants, no origination fee, no closing fee, and no prepayment penalty
- Rate discounts with AutoPay from qualifying Wells Fargo accounts
- Most customers receive funds the same day they're approved
How to put your personal loan to work
Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 48 months at 14.99% Annual Percentage Rate (APR), the monthly payment is $417. 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.
Late fees may still be assessed.
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.
On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from July – September 2026).
You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.
Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.
Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.
FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
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