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Personal Loan Rate and Payment Calculator

Get loan options with transparent rates, flexible terms, and a clear estimate of what you’ll pay.
 

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With predictable monthly payments and rates, you can find peace of mind on your journey.

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Consolidate high-interest debts

Simplify your finances by consolidating debts into one monthly payment. 2

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Questions about personal loans

It's a way to borrow money to pay for just about anything you need, like home improvements, debt consolidation 2, major purchases, and more. Personal loans are unsecured, which means there's no collateral, like the equity you own in your car or house. You receive funds in one lump sum and pay the loan back in fixed monthly payments, with interest calculated into the repayments. Wells Fargo offers loans from $3,000 to $100,000 with terms of 12, 24, 36, 48, 60, 72, and 84 months. 3

With Wells Fargo, the whole process is hassle-free. First, you take a moment to check your personalized rate and payment options with no impact on your credit score. Then, choose the option that's right for your budget and complete the easy application online, by phone, or by going into a Wells Fargo branch and applying in-person with a personal banker.

Your interest rate for a Wells Fargo personal loan is an annual percentage rate (APR). The APR is calculated based on a number of factors, including your loan amount, term, and credit history. When you check your loan options for a specific loan amount, you can see the rate.

It's all streamlined, every step of the way. First, checking your rate takes only a few minutes. From there, once you select the loan you want to move forward with, the application takes just a few minutes. Then, most customers get a same-day decision. Once you're approved, you could receive funds as soon as the same day you sign for your loan. 4

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This tool is for illustrative purposes and is provided solely as a convenience to estimate rates and payments. Your actual rates and payments may differ from the estimates provided by this calculator. We are not responsible for the accuracy, completeness, or usefulness of the information provided by this calculator, and we have no obligation to extend an offer of credit or to match your terms to the terms provided by this calculator.

Wells Fargo does not make loans for educational purposes.

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.

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.

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

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.

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

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