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Wells Fargo Pay On℠

Pay over time with a Pay On loan

Set up your account to manage your loan and make monthly payments with no hidden fees.

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What you can do with Pay On

Choose how you pay
Make payments online, in the app, by phone, or by mail — pick what works best for you.

Find out more

Budget with ease
Pay for your purchase over time with convenient monthly payments to make budgeting easier.

See more info

Know what to expect
Review your options before a hard credit check and avoid hidden fees or prepayment penalties.

Learn more

Get the app loved by millions

11M ratings | 4.9 stars**

Get the app loved by millions

11M ratings | 4.9 stars**

  • Manage your finances virtually anytime, anywhere
  • Set up Autopay and never miss a payment
  • Check your balance and go paperless with online statements
  • Get help with Fargo® virtual assistant
  • View your latest FICO® Score

*Screen image is simulated

**4.9/5 Stars on the App Store and 4.8/5 on Google Play as of June 22, 2026.
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Contact information

For questions about your loan
For help with your loan, contact us

1-877-269-6056
Monday through Friday
7:00 am to 7:00 pm, Central Time

No origination fee or prepayment penalty. Late fees may still be assessed.

Terms and conditions apply. Setup is required for transfers to and/or from other U.S. financial institutions, and verification may take 1–3 business days. Customers should refer to their other U.S. financial institutions for information about any potential fees charged by those institutions. Mobile carrier’s message and data rates may apply. See Wells Fargo’s Online Access Agreement for more information.

Online Statements require Adobe® Acrobat® PDF reader. For credit card accounts, Online Statements are available to view and download for up to 2 years. Availability may be affected by your mobile carrier’s coverage area. Your mobile carrier’s message and data rates may apply.

Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply.

You must be a Wells Fargo account holder of an eligible Wells Fargo consumer account with a FICO® Score available, and enrolled in Wells Fargo Online®. Eligible Wells Fargo consumer accounts include deposit, loan, and credit accounts, but other consumer accounts may also be eligible. Contact Wells Fargo for details. Availability may be affected by your mobile carrier's coverage area. Your mobile carrier's message and data rates may apply. 

Please note that the score provided under this service is for educational purposes and may not be the score used by Wells Fargo to make credit decisions. Wells Fargo looks at many factors to determine your credit options; therefore, a specific FICO® Score or Wells Fargo credit rating does not guarantee a specific loan rate, approval of a loan, or an upgrade on a credit card.

Wells Fargo and Fair Isaac are not credit repair organizations as defined under federal and state law, including the Credit Repair Organizations Act. Wells Fargo and Fair Isaac don’t provide credit repair services or advice or assistance with rebuilding or improving your credit record, credit history, or credit rating.

Apple, the Apple logo, Apple Pay, Apple Watch, Face ID, iCloud Keychain, iPad, iPad Pro, iPhone, iTunes, Mac, Safari, and Touch ID are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Wallet is a trademark of Apple Inc. App Store is a service mark of Apple Inc.

Android, Google Play, Chrome, Pixel and other marks are trademarks of Google LLC.

FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‍ Equal Housing Lender

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