Personal Loan Rates
Personal loan interest rates as low as 6.74% APR,
For a $10,000 Wells Fargo Personal Loan with a 3-year term.
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.
To be eligible for a personal loan, you are required to have an open Wells Fargo account for at least 12 months.
Personal Loan
Loan amounts from $3,000 to $100,000 with no origination fee or prepayment penalty.
Fixed rates
Fixed rates range from 6.74% to 26.74% APR,
APR includes a 0.25% relationship discount.
At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 04/01/2025 to 06/30/2025. The rates shown are as of 07/07/2025 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 $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.
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.
Late fees may still be assessed.
Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.
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