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Personal Loan Uses

Personal loans for nearly anything you need

Check your rate with no impact to your credit score.

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Explore how you can put your funds to use

Moving expenses

Relocate without stress.

Legal fees

Cover unexpected costs.

Your dream wedding

Plan your big day, your way.

Pet emergencies

Keep pets happy and healthy.

Vehicle repairs

Get back on the road.

Family vacation

Take that trip together.

Medical bills

Manage healthcare costs.

Elder care

Support seniors as they age.

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More ways to use your personal loan

Make home improvements or repairs
Whether you're renovating or replacing an appliance, fund the home project you've been planning.

Home improvement loans

Consolidate high-interest debts
Simplify your finances by consolidating debts into one monthly payment.

Debt consolidations loans

Fixed interest rates as low as 6.74% APR,

With predictable monthly payments and rates from 6.74% to 26.74% APR, you can find peace of mind on your journey.

Personal loan rates
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Questions about personal loans

A personal loan can give you greater financial flexibility and help you get the funds you need for nearly anything. A personal loan is unsecured, which means you don't have to put up anything for collateral, like your house or car. And unlike some other lenders, Wells Fargo does not charge origination fees, which can increase the cost of your loan. Plus, you can choose a payment term from 12 to 84 months, so you can find a monthly payment that fits your budget.

You can use a personal loan for just about anything. Make a major purchase, put funds toward home renovations, cover unexpected expenses, and much more.

Yes, you can purchase a car using a personal loan. However, an auto loan will usually offer a lower rate. Check with your dealer to see if they offer Wells Fargo auto loans.

No, you can't buy a house using a personal loan. But you can see your options for a mortgage through Wells Fargo, which is designed for the sole purpose of purchasing property.

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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 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.

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

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.

Using an unsecured personal loan for an auto purchase, a refinance, or a lease buy-out allows you to avoid using your auto as collateral, although you may qualify for a lower interest rate with a secured auto loan.

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.

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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