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Select Personal Loan or Line of Credit

When can you open an account online? At this time, Wells Fargo only accepts online and phone applications for a Personal Loan or Line of Credit from customers with an existing Wells Fargo account that has been open for at least a year. However, you can apply in person at any Wells Fargo location. Please visit a store near you.
  • Best for consolidating* high-interest rate debt which may reduce your overall interest costs. With a fixed annual percentage rate and monthly payment, it's perfect for paying down debt and making budgeting easier. No collateral required.

  • Best for consolidating* high-interest rate debt with a fixed annual percentage rate and monthly payment. You get a lower annual percentage rate by providing approved collateral (such as a Wells Fargo CD) to secure your loan.

  • Best for managing finances and as a source of funds for major expenses. This is a revolving line of credit with no collateral required. Payment is based on your outstanding balance.

  • Best for managing finances and as a source of funds for major expenses. You get a lower annual percentage rate by securing your line of credit with Wells Fargo savings or CDs.


Not sure which account is best for you?
Find the right account now. Or choose one on this page and continue with the application.
 
*Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner. By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you.