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Personal Loans

Reach your goals with a personal loan

Check your rate with no impact to your credit score.

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Why choose Wells Fargo for a personal loan?

Customize your terms

Amounts from $3,000 to $100,000 and terms from 12 to 84 months.

Secure a great fixed rate

Rate discounts with auto pay from qualifying Wells Fargo accounts.

Skip the hidden fees

No origination fee, no closing fee, and no prepayment penalty.

Get a decision today

Same day credit decision for most customers who apply.

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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You decide how you'll put your personal loan to work

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

Home improvement loans

Many more ways to cover expenses
Feel confident you can handle whatever's coming next, from a big life change to an unexpected bill.

More ways to use your loan

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

Debt consolidations loans

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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, 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.

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.

To be eligible to apply, you need to be a Wells Fargo customer for at least 12 months and meet other applicant requirements. To complete your application, you'll need to provide certain documents and information regarding your employment, income, and other qualifications. You can find everything required on our handy Application Checklist. Finally, after you accept your loan terms, you'll need to provide your signature and a few other details.

Checking your loan options, including your rates and terms, will not affect your credit score. Please note that once you make a selection and submit an application, there will be a full credit report requested from at least one credit bureau. This is considered a hard credit pull and can impact your credit score.

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Helpful resources

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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.

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 $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.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2025).

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.

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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