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Obtain More Credit

You may need to increase your credit in order to reach some life goals, like buying or improving a home, or paying for education expenses. Find out how to build your capacity to borrow if you think you’ll need more credit in the future.
 
Using credit to achieve long-term goals can be a sensible strategy. Learn how to secure more credit, what credit options are available, and how to choose the right option for your situation.
Blue bulletMake Smarter Credit Choices (PDF)*
Three simple steps can help you assess your credit situation and make smarter credit choices.
 
Blue bulletKnow Your Credit Options
Loans, credit cards, and mortgages are just some of the credit options available. Find out how various credit options work and how they can help you reach specific financial goals.
 
Blue bulletChoose the Right Credit Option for Your Needs
Get detailed information about six different credit options, what they’re best used for, how much you can borrow, and when you’ll have the funds.
 
Blue bulletKnow What Lenders are Looking For (PDF)*
Lenders use the “4 C’s” — credit history, capacity, collateral, and conditions — to evaluate credit applications. Understanding the 4 C’s can help you secure the financing you desire.
 
Wells Fargo has services and accounts that may make it easy to increase credit and stay prepared for the future. (Credit increases are subject to credit qualification.)
Blue bulletMortgages and Refinancing
We’ll guide you through the homebuying process and work to help you find a mortgage solution that meets your needs. If you already own your home, we may be able to help you save money or lower your payment by refinancing.
 
Blue bulletHome Equity Loans and Lines of Credit
Access your home’s equity to pay for home improvements, consolidate debt, or manage major expenses. The interest you pay may be tax deductible (consult your tax advisor).
 
Blue bulletPersonal Loans and Lines of Credit
If you need cash quickly, a personal line or loan may be a good option. There’s no collateral required for these fast, flexible solutions.
 
Blue bulletAuto Loans
Financing a vehicle through Wells Fargo is quick and convenient. We offer competitive rates on loans for new and used cars. We also offer options for refinancing, which could help you reduce costs or get cash back.
 
Blue bulletCredit Cards
Low introductory rates, protection against fraud, and optional reward programs are just some of the benefits you’ll enjoy with a Wells Fargo credit card.
 
Blue bulletStudent Loans
Wells Fargo can help you pay for higher education through both federal and private loans.
 
 
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