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  <p>Find an ATM or banking location near you.</p><label class="hidden" for="find_location_zip">ZIP code for find a location</label>
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GET /locator/search/

<form action="/locator/search/" method="get" class="find_location">
  <p>Make an appointment with a banker.</p>
  <label class="hidden" for="find_location_zip_appointment">ZIP code for make an appointment</label>
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Text Content

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 * Sign On
 * Customer Service
 * ATMs/Locations
 * Español

Search  Opens a dialog.
 * selected Personal
 * Investing & Wealth Management
 * Small Business
 * Commercial Banking
 * Corporate & Investment Banking


 * Personal
 * Customer Service
 * Personal Loan Help
 * Personal Loan FAQs


PERSONAL LOAN FAQS


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End of popup

 * Application Information
 * Funding
 * Payments and Fees


BEFORE YOU APPLY




WHAT ARE YOUR CURRENT INTEREST RATES?

See our current interest rates or check your rate in minutes with no impact to
your credit score. Apply when you're ready.


HOW DO I QUALIFY FOR AN INTEREST RATE (RELATIONSHIP) DISCOUNT?

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. 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.

Consumer checking accounts qualifying for a 0.50% interest rate discount

 * Private Bank Checking
 * Private Bank Interest Checking
 * Wells Fargo Premier Checking
 * Wells Fargo Prime Checking

Consumer checking accounts qualifying for a 0.25% interest rate discount

 * Clear Access BankingSM
 * Complete Advantage® Checking
 * Crown Banking® Checking
 * Premium Membership® Checking
 * Way2Save® Checking
 * Wells Fargo At WorkSM Checking
 * Wells Fargo College Checking®
 * Wells Fargo Everyday Checking
 * Wells Fargo Preferred Checking


WHAT IS THE DIFFERENCE BETWEEN A HARD AND SOFT CREDIT INQUIRY?

A hard inquiry is captured on your credit report and indicates to other
financial organizations that you have applied for credit. It may also impact
your credit score. A soft inquiry does not impact your credit score and can only
be seen by you if you request a copy of your credit report.




APPLICATION




HOW DO I APPLY FOR A LOAN?

We recommend that you get started by checking your rates with no impact to your
credit score. You can continue to apply when you're ready.

You may also:

 * Make an appointment with a banker at your local Wells Fargo branch or find a
   location.
 * Call us at 1-877-526-6332.

For most applications, you can track your application status online if you share
your email address with us at the time of application. We'll send you an email
telling you how.


WHAT INFORMATION DO I NEED TO PROVIDE TO APPLY FOR A LOAN?

To complete an application, please refer to the Application Checklist.


HOW MUCH CAN I APPLY FOR AND WHAT LOAN TERMS ARE AVAILABLE?

We offer personal loans ranging from $3,000 to $100,000.

 * 12 – 36 months for personal loans ranging from $3,000 to $4,999.Footnote 11
 * 12 – 84 months for personal loans ranging from $5,000 to $100,000.




LOAN DECISIONING PROCESS




HOW LONG DOES IT TAKE TO RECEIVE A CREDIT DECISION?

You could have a quick credit decision, typically the same day.

For most applications, you can track your application status online if you share
your email address with us at the time of application. We'll send you an email
telling you how.


WHAT IS THE CLOSING PROCESS?

For most applications, you can track your application status online if you share
your email address with us at the time of application. We'll send you an email
telling you how.


If you agree to the terms:

 * Review your documents
 * Sign and accept your documents
 * Receive your funds




HOW LONG DOES IT TAKE TO RECEIVE MY FUNDS?

If your Personal Loan is approved and you have accepted the loan terms, you will
have fast access to funds, often within one to three business days.


HOW CAN I USE A LOAN TO CONSOLIDATE DEBT?FOOTNOTE 22

You can direct funds to pay your creditors in the following ways:

 * Access to funds via check, direct deposit to a Wells Fargo checking account,
   or direct transfer to non-Wells Fargo credit accounts, within one to three
   business days, if approved.




HOW CAN I MAKE MY LOAN PAYMENTS?

There are many ways that you can make payments:

 * Sign on to Wells Fargo Online® to make a one-time or set up recurring
   payments.
 * Set up automatic payments from your checking or savings account using Wells
   Fargo Online.
 * Pay in person at your local Wells Fargo branch.
 * Call us to pay by phone
   
   1-877-269-6056 Monday – Friday 7:00 am – 7:00 pm Central Time
 * Mail your payment in U.S. dollars payable to Wells Fargo Bank, N.A. Mailed
   payments must be in the form of a personal check, cashier’s check or money
   order, capable of being processed through the Federal Reserve System. Please
   send your payment remittance coupon that is attached to your monthly
   statement.


HOW DOES WELLS FARGO CALCULATE MY MONTHLY PAYMENT?

Your regular monthly payment of principal and interest will remain the same for
the life of the loan. Your payment amount will be determined by the amount you
borrow, the length of time or term of the loan, and the interest rate. Please
note that any fees or other changes assessed to the account during the billing
cycle, plus any past due amount from the previous statement, will be added to
your monthly payment and shown as the total amount due. 

For new loans, you can estimate rate and payment amounts with our rate checker
with no impact to your credit score.


HOW OFTEN WILL PAYMENTS BE DUE?

Loan payments will be due monthly.


CAN I CHANGE MY DUE DATE?

Yes. You can change your payment due date. To do so, please call customer
service at 1-877-269-6056.


CAN I MAKE EXTRA PAYMENTS OR PAY OFF MY PERSONAL LOAN EARLY?

Yes. Our personal loans require no prepayment penalty. You are welcome to pay
off the loan at any time or pay more than the amount due. Any payment made
greater than the amount due will be applied first to any outstanding interest or
fees and then to your principal balance. This can reduce the overall interest
you pay over the term of the loan.


HOW DO I REQUEST RELIEF FOR MY TIME IN MILITARY SERVICE?

Active-duty service members and their families may qualify for special military
benefits. Contact Wells Fargo Military Banking by calling 1-855-USA-2WFB
(1-855-872-2932), Monday – Friday, 7 am – 8 pm, Central time

Additional resources

For more information about Wells Fargo's commitment to service members, please
visit Military Banking on wellsfargo.com.


ARE THERE ANY ORIGINATION FEES?

Personal loans do not have an origination fee.

 



1.

Representative example of repayment terms for an unsecured personal loan: For
$13,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the
monthly payment is $438. This example is an estimate only and assumes all
payments are made on time.

2.

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.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

QSR-0722-01452

LRC-0922


PERSONAL LOAN RATES

Get started by checking your rates with no impact to your credit score. Apply
when you're ready.


ALREADY APPLIED?

 * Check your application status
 * Retrieve a saved application


STILL HAVE QUESTIONS?


CALL US

1-877-526-6332
Monday - Friday
8:00 am - 7:00 pm
Central Time


FIND A LOCATION

Find an ATM or banking location near you.

ZIP code for find a location




MAKE AN APPOINTMENT

Make an appointment with a banker.

ZIP code for make an appointment



Give Us Feedback

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