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Personal Line of Credit

Manage your cash flow with a Personal Line of Credit
A Wells Fargo Personal Line of Credit offers a simple and convenient way to help you handle fluctuations in your monthly cash flow.* Plus, you can use it as a ready source of funds for major purchases, property taxes, or to consolidate higher interest rate debt.
Why get a Personal Line of Credit?

  • Balance ups-and-downs in income and expenses
  • Access a renewable source of funds no matter what life brings your way, including unplanned expenses now and in the future
  • Fast and convenient—get a quick credit decision and access to funds in as little as 1 to 2 business days

Convenient access to funds

Access your Personal Line of Credit at any time. Advance funds from your line of credit to your Wells Fargo checking or savings account online, by phone, or at any Wells Fargo store.
A simple, straightforward way to borrow

  • No collateral required
  • No balance transfer or cash advance fees, unlike other types of credit
  • Low minimum payments—and you can pay in full whenever you want to reduce interest costs

Why choose a Wells Fargo Personal Line of Credit?

We want to see you succeed financially. Call one of our bankers any time, day or night, to talk about your options—1-888-667-5250.
Ideal for: Managing your cash flow and a source of funds for unplanned expenses. Provides a way to consolidate higher-interest rate balances and reduce interest costs.
Access to Funds
  • With a line of credit, you can draw the funds you need at the various times you need them, without having to reapply.*
  • Access your line of credit via personalized checks, telephone transfer, Wells Fargo Online®, and teller.
  • Get a quick credit decision and access to funds in as little as 1 to 2 business days.
Minimum Monthly Payment $25 or 1% of outstanding principal balance, whichever is greater, plus accrued interest.
Payment Options
  • Variable payments based on your outstanding balance.
  • Repay the principal at any time. There's never a prepayment fee.
Amount You Can Borrow $3,000 to $100,000.
Annual Percentage Rates Lines of credit have variable annual percentage rates that are generally lower than loan rates.
Rate and Payment
Term Revolving — No specific term.
  • $25 annual fee
  • No balance transfer or cash advance fees*
The Wells Fargo Personal Line of Credit offers you a simple solution to manage your cash flow!
* Subject to application, credit qualification and income verification. The Annual Percentage Rate (APR) may range from 7.00% to 19.75%. The stated range is accurate as of July 31, 2013. Interest rates are variable and subject to change. There is a $25 annual fee.
Call to Apply1-888-667-5250
Equal Housing Lender