Personal Loan Rate and Payment Calculator

With Personal Loan rates as low as 6.74% APR, now may be a great time to take care of your finances. Get started by checking your rates. Apply when you're ready.

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.

Personal loans are only available to existing Wells Fargo customers who have a qualifying consumer product that has been open for a minimum of 12 months.

Get an estimate of monthly payments for a personal loan.

Repay a personal loan in terms of 12-84 months. Rates range from 6.74% to 26.74% 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 $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.

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About these estimates

InformationAnnual percentage rates (APRs) shown for personal loans are based on your self-reported credit rating, and include a relationship discount of 0.25% with auto pay from a qualifying Wells Fargo account. Your actual APR may be higher than the rate shown. Loan APRs vary by amount borrowed, term selected, and credit history.
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Important Information and Footnotes

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.

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.

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.

Disclosures

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

  • DT1-09032026-12-8364211-1.1

State of residence

We ask for state of residence because rates for some products may vary based on location.

APR (Annual Percentage Rate)

The cost of a loan, including the interest rate and other fees, calculated for a year (annualized) and expressed as a percentage of the amount of the loan.

Amount

The minimum amount to finance a personal loan with Wells Fargo is $3,000. The amount of money you are eligible to borrow is based upon several factors, including your credit and financial history.

Credit Rating

Also known as a credit score. Many lenders use this numeric calculation of your credit report to obtain a fast, objective measure of your credit risk and consider your credit score, in addition to other factors, when deciding whether or not to approve an application for a loan.

Monthly Payment

The total amount of interest and principal due monthly, based on the amount you entered. Loan payments are fixed based on the original loan amount.

Terms

Maximum loan terms presented are based on loan type, term, and amount you wish to borrow. Available terms may vary beyond what is presented in this tool.