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Personal Loan Rates

Personal loan interest rates as low as 6.74% APR,

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Competitive personal loan rates. No hidden fees.

Interest rate discounts

Get discounted interest rates from 6.74% to 26.49% APR when you set up Autopay from a qualifying Wells Fargo account.

Straightforward monthly payments

Pay a fixed rate and don’t worry about prepayment penalties or origination and closing fees.

Flexible terms for your needs

Customize your loan with amounts from $3,000 to $100,000 and terms from 12 to 84 months.

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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 07/01/2025 to 09/30/2025. The rates shown are as of 10/10/2025 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.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

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.

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.

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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