Wells Fargo Personal Loans Review: Comprehensive Guide & Insights

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Yale","sameAs":"https://www.businessinsider.com/author/aly-yale"},{"@type":"Person","name":"Ryan Wangman, CEPF","sameAs":"https://www.businessinsider.com/author/ryan-wangman"}],"publisher":{"@context":"http://schema.org","@type":"Organization","name":"Business Insider","legalName":"Insider Inc.","foundingDate":"2007","url":"www.businessinsider.com","sameAs":["https://www.instagram.com/businessinsider","https://www.twitter.com/businessinsider","https://www.facebook.com/businessinsider","https://www.linkedin.com/company/businessinsider","https://www.youtube.com/@BusinessInsider"],"founder":{"@type":"Person","name":"Henry Blodget"},"logo":{"@type":"ImageObject","url":"https://www.businessinsider.com/public/assets/logos/structured-data.png"}},"headline":"Wells Fargo Personal Loans Review: Comprehensive Guide & Insights","alternativeHeadline":"Wells Fargo Personal Loans Review 2024: Pros & Cons","image":{"@type":"ImageObject","url":"https://i.insider.com/5eda8b95988ee314061f4e43?width=1200&format=jpeg","width":1200,"height":900},"name":"Wells Fargo Personal Loans Review 2024: Pros & Cons","datePublished":"2024-08-29T18:14:46Z","dateModified":"2024-09-25T19:31:32Z","description":"Discover our detailed Wells Fargo personal loans review, including rates, terms, and applying. See if Wells Fargo is right for your personal loan needs.","keywords":"","articleBody":"Affiliate links for the products on this page are from partners that compensate us (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate personal loans to write unbiased product reviews.Business Insider's personal finance experts compared Wells Fargo personal loans to the best personal loans and found them to be a standard offering.Wells Fargo personal loans could be a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch. Wells Fargo personal loans are best for borrowers who already have an account with the bank, as they offer discounts to current customers who pay their loans through their consumer checking accounts. It earned spots in our guides to the best debt consolidation loans and the best home improvement loans thanks to the variety of loan options on offer. Additionally, borrowers who want in-person service at a brick-and-mortar lender might find Wells Fargo is their best choice. Wells Fargo offers several types of personal loans, including debt consolidation and home improvement loans. You can also use Wells Fargo's loans to cover major expenses.Wells Fargo personal loan amounts range from $3,000 to $100,000. You can get your money as soon as the next business day with Wells Fargo depending on when your application is approved. Relationship discount of 0.25%7.49% to 24.99% (with relationship discount)$3,000 to $100,000UndisclosedWells Fargo Personal Loan are a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch.Compare Personal Loan RatesYour interest rate will depend on your credit score, loan amount, and other personal financial details. Generally, though, here's what you need to know about the costs of Wells Fargo personal loans.Interest rates on Wells Fargo personal loans currently range from 7.49% (if you have an existing relationship with Wells Fargo) to 24.99%. Some lenders offer lower rates, but in general this range is pretty typical.Wells Fargo doesn't charge origination fees, closing fees, or prepayment penalties, but the lender may stick you with a $39 late fee if you don't make your payment on time. You can get a Wells Fargo loan with a term between 12 months to 84 months. You must have had a Wells Fargo account for at least 12 months to qualify.While Wells Fargo personal loans are offered in all 50 states, it doesn't have branches in 14 states. These states are Ohio, Michigan, Kentucky, West Virginia, Missouri, Oklahoma, Louisiana, Maine, Vermont, New Hampshire, Massachusetts, Rhode Island, and Hawaii.This may pose a problem, as only current customers qualify to apply for loans through Wells Fargo's online portal or by phone. If you aren't a customer, you have to apply by visiting a branch and talking with a banker.See below for more info on applying for a Wells Fargo personal loan.You'll need to meet the following requirements to apply for a personal loan with Wells Fargo:You will also need to have at least a 660 credit score and have had an account with Wells Fargo for at least 12 months before applying.After verifying you qualify, here are the next steps to follow:Quick tip: You can check prequalified personal loan offers from multiple lenders in a loan marketplace can help make sure you find the best rate available.The Better Business Bureau, a nonprofit organization focused on consumer protection and trust, gives Wells Fargo an F grade, and based on customer reviews with the BBB, it has 1.06/5 stars. More than 6,400 BBB complaints have been filed against Wells Fargo in the last three years.Wells Fargo also has 1.3 stars out of 5 on Trustpilot. Nearly 90% of customers give their experience just one star.There have been several government actions against the company, too. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, the CFPB said that Wells Fargo misapplied payments to those loans for many customers. If Wells Fargo's history bothers you, you may want to consider other options on Insider's list of the best personal loans.You can borrow up to $100,000 with Wells Fargo, which is a much higher maximum loan amount than a Discover personal loan, which maxes out at $35,000. If you need a larger personal loan, Wells Fargo may be a better option. Wells Fargo's repayment terms range from one to seven years, while Discover's terms range from three to seven years. If you want a shorter term length — and to save money on overall interest in the process — Wells Fargo may be the choice for you. A distinguishing feature of Discover is its 30-day money-back guarantee on its personal loans. If you decide within 30 days of receiving your loan that you no longer want it — perhaps you found a better rate elsewhere — you can return the funds via check and won't be charged any interest. Wells Fargo doesn't have a similar unique perk. Read our Discover personal loan review.Getting approved for an Upstart personal loan isn't dependent solely on credit scores. For people who have struggled with credit in the past, Upstart will factor in a few other pieces of information for a better shot at approval.Upstart also can charge origination fees up to 8%, while Wells Fargo doesn't charge any origination fees. See the best lenders offering personal loans with no origination fee.Read our Upstart personal loan review.We rated Wells Fargo personal loans by following our methodology for reviewing personal loans.Our methodology involves rating a personal loan across seven different categories some of which are judged more heavily than others. They are:Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily.Wells Fargo typically requires a credit score of at least 660 for personal loan approval, though higher scores may qualify for better rates.Approval time can vary, but many applicants receive a decision within a few business days.Yes, Wells Fargo personal loans can be used for debt consolidation, allowing you to combine multiple debts into one manageable payment.","articleSection":"Personal Finance, Loans, Personal Loans","isAccessibleForFree":true,"hasPart":[{"@type":"WebPageElement","isAccessibleForFree":true,"cssSelector":".content-lock-content"}]} </script> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"What credit score is needed for a Wells Fargo personal loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Wells Fargo typically requires a credit score of at least 660 for personal loan approval, though higher scores may qualify for better rates.</p>"}},{"@type":"Question","name":"How long does it take to get approved for a Wells Fargo personal loan?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Approval time can vary, but many applicants receive a decision within a few business days.</p>"}},{"@type":"Question","name":"Can I use a Wells Fargo personal loan for debt consolidation?","acceptedAnswer":{"@type":"Answer","text":"<p class=\"faq-answer\">Yes, Wells Fargo personal loans can be used for debt consolidation, allowing you to combine multiple debts into one manageable payment.</p>"}}]} </script> <script type="application/ld+json"> {"@context":"http://schema.org","@type":"ItemList","numberOfItems":1,"itemListElement":[{"@context":"http://schema.org","@type":"ListItem","position":1,"item":{"@context":"http://schema.org","@type":"Product","name":"Wells Fargo Personal Loan","image":"https://i.insider.com/5ee3e2c319182454a0669479?width=400","brand":"Wells Fargo","url":"https://www.businessinsider.com/personal-finance/personal-loans/wells-fargo-personal-loan-review#5f32f5064dca684879136c41","review":[{"@type":"Review","author":[{"@type":"Person","name":"Aly J. 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Chase Sapphire Preferred Credit Card </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/squaremouth-travel-insurance-review" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > SquareMouth Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-credit-cards" 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href="https://www.businessinsider.com/personal-finance/credit-cards/best-travel-rewards-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-zero-interest-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best 0% APR Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-balance-transfer-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Balance Transfer Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-starter-credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best First Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards/best-small-business-credit-card" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Best Business Credit Cards </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Insurance </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/auto-insurance/best-car-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Car Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-homeowners-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Homeowners Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/life-insurance/best-life-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Life Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/pet-insurance/best-pet-insurance" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Pet Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/homeowners-insurance/best-renters-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Renters Insurance </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/travel-insurance/best-travel-insurance-companies" data-track-click="{"product_field":"pfi_insurance","event":"navigation","element_name":"helpfulness_navbar"}" > Best Travel Insurance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/banking" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Banking </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-high-yield-savings-accounts-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Savings Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-checking-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Checking Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-money-market-accounts" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Money Market Accounts </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/who-has-the-best-cd-rates-right-now" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best CD Rates </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-bank-account-bonuses" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Bank Account Bonuses </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/banking/best-banks" data-track-click="{"product_field":"pfi_banking","event":"navigation","element_name":"helpfulness_navbar"}" > Best Banks </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Loans </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best personal loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best debt consolidation loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-bad-credit" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Loans for Bad Credit </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-private-student-loans" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loans </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/student-loans/best-student-loan-refinance-companies" data-track-click="{"product_field":"pfi_loans","event":"navigation","element_name":"helpfulness_navbar"}" > Best Student Loan Refinance </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/mortgages" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Mortgages </a> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-mortgage-refinance-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best mortgage refinance lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-lenders-for-fha-loans" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best FHA Lenders </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/mortgages/best-heloc-lenders" data-track-click="{"product_field":"pfi_mortgages","event":"navigation","element_name":"helpfulness_navbar"}" > Best HELOC Lenders </a> </li> </ul> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link headline-semibold data-hub-nav-link" href="https://www.businessinsider.com/personal-finance/investing" data-track-click="{"product_field":"pfi_investing","event":"navigation","element_name":"helpfulness_navbar"}" > Investing </a> </div> <div class="hub-nav-link-container" data-hub-nav-link-container > <a class="hub-nav-link 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<span class="hub-nav-link headline-semibold"> More </span> <ul class="hub-nav-dropdown"> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="" data-track-click="{"product_field":"get_started","event":"navigation","element_name":"helpfulness_navbar"}" > Get Started </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="" data-track-click="{"product_field":"featured_reviews","event":"navigation","element_name":"helpfulness_navbar"}" > Featured Reviews </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " href="https://www.businessinsider.com/personal-finance/credit-cards" data-track-click="{"product_field":"pfi_credit_cards","event":"navigation","element_name":"helpfulness_navbar"}" > Credit Cards </a> </li> <li class="hub-nav-dropdown-link-container"> <a class="hub-nav-dropdown-link headline-regular " 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Yale" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/aly-yale" >Aly J. Yale</a></span> and <span class="" data-e2e-name="Ryan Wangman, CEPF" > <a class="byline-link byline-author-name" data-e2e-name="byline-author-name" href="https://www.businessinsider.com/author/ryan-wangman" >Ryan Wangman, CEPF</a><span class="headline-regular">;</span></span> <span class="headline-regular">edited by</span> <a class="byline-link byline-author-name" href="https://www.businessinsider.com/author/sarah-silbert" >Sarah Silbert</a> </div> <time class="byline-timestamp headline-regular js-date-format" data-timestamp="2024-08-29T18:14:46Z" data-e2e-name="byline-timestamp" data-disable-relative-formatting > 2024-08-29T18:14:46Z </time> </div> </div> </div> </div> <section class="sharebar " data-component-type="share" data-location=""> <div class="share-button-dropdown-wrapper"> <button class="share-button sharebar-link headline-regular"><svg class="svg-icon share-icon " role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" fill="none" viewBox="0 0 12 12"> 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class="post-content typography with-sticky-toc-aside pfi-post" data-track-content="" data-post-type="post" > <div id="piano-inline-content-wrapper" data-piano-inline-content-wrapper data-user-status="anonymous" > <div data-component-type="content-lock" data-load-strategy="exclude"> <div class="content-lock-content"> <p class="headline-regular financial-disclaimer">Affiliate links for the products on this page are from partners that compensate us (see our <a href="https://www.businessinsider.com/personal-finance/our-partners" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">advertiser disclosure with our list of partners</a> for more details). However, our opinions are our own. See <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" class="not-content-link" target="_blank" data-analytics-product-module="body_link" rel="">how we rate personal loans</a> to write unbiased product reviews.</p> <div class="table-of-contents table-of-contents-sticky" data-analytics-module="jump-to" data-type="custom"></div><p>Business Insider's personal finance experts compared <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo personal loans</a> to the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans" data-analytics-product-module="body_link" rel="">best personal loans</a> and found them to be a standard offering.</p><p>Wells Fargo personal loans could be a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch. </p><h2>Wells Fargo Personal Loan Overview</h2><p><a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo personal loans</a> are best for borrowers who already have an account with the bank, as they offer discounts to current customers who pay their loans through their consumer checking accounts. </p><p>It earned spots in our guides to the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-debt-consolidation-loans" data-analytics-product-module="body_link" rel="">best debt consolidation loans</a> and the <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-home-improvement" data-analytics-product-module="body_link" rel="">best home improvement loans</a> thanks to the variety of loan options on offer. Additionally, borrowers who want in-person service at a brick-and-mortar lender might find Wells Fargo is their best choice. </p><h3>Wells Fargo Personal Loan Types</h3><p>Wells Fargo offers several types of personal loans, including debt consolidation and home improvement loans. You can also use Wells Fargo's loans to cover major expenses.</p><h3>Loan Amounts Available</h3><p>Wells Fargo personal loan amounts range from $3,000 to $100,000. You can get your money as soon as the next business day with Wells Fargo depending on when your application is approved. </p><aside class="quick-tip headline-regular ignore-typography"> <div id="wells-fargo-personal-loan" class="financial-product-card ignore-typography" data-component-type="financial-product-card"> <div class="financial-product-card__grid-container"> <div class="financial-product-card__product-title headline-semibold ">Wells Fargo Personal Loan</div> <div class="financial-product-card__cta-container"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" rel="nofollow noindex" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="button" class="financial-product-card__accent-button not-content-link headline-semibold" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo"> Check rates </a> <div class="financial-product-card__terms-container"> <span class="financial-product-card__issuer headline-regular">Get matched with personal loan offers</span> <div class="financial-product-card__footer headline-regular"> </div> </div> </div> <div> <div class="financial-product-card__card-image"> <a target="_blank" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" rel="nofollow noindex" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="image" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo"> <div class="lazy-holder lazy-holder financial-product-card__card-image__bg" style="padding-top: calc(100% * 181 / 289)"> <img class="lazy-image financial-product-card__card-image__bg" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/5ee3e2c319182454a0669479?width=400" alt="Wells Fargo Wells Fargo Personal Loan"> <noscript> <img src="https://i.insider.com/5ee3e2c319182454a0669479?width=400" /> </noscript> </div> </a> </div> <div class="financial-product-card__star-container" id="5f32f5064dca684879136c41-star-rating"> <strong class="financial-product-card__star-container__label headline-semibold">Insider’s Rating </strong> <div class="star-rating financial-product-card__star-rating"> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.7392115866634019"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.7392115866634019)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.4465378456400213"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.4465378456400213)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.3965015015233846"> <stop stop-color="#faa809" offset="100%"></stop> <stop stop-color="white" offset="100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.3965015015233846)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.9751163639309695"> <stop stop-color="#faa809" offset="0%"></stop> <stop stop-color="white" offset="0%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.9751163639309695)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg> <svg class="svg-icon star-outline-icon " role="img" width="60" height="57.1" viewBox="0 0 60 57.1" xmlns="http://www.w3.org/2000/svg"> <desc>A five pointed star</desc> <defs> <linearGradient id="Gradient_0.2796637842991676"> <stop stop-color="#faa809" offset="-100%"></stop> <stop stop-color="white" offset="-100%"></stop> </linearGradient> </defs> <path fill="url(#Gradient_0.2796637842991676)" stroke="#faa809" d="M30 44.2L11.5 57.1 18 35.4 0 21.8l22.6-.5L30 0l7.4 21.3 22.6.5-18 13.6 6.5 21.7z"></path> </svg></div> <span class="financial-product-card__rating_value headline-regular">3<span>/5</span></span> </div> </div> <div class="financial-product-card__perks-banner"> <div class="financial-product-card__perks-banner__perks-icon"> <svg xmlns="http://www.w3.org/2000/svg" width="24" height="29" fill="none"> <title>Icon of check mark inside a promo stamp</title> <desc>It indicates a confirmed selection.</desc> <path fill-rule="evenodd" clip-rule="evenodd" d="M15.12 6.755 12 3.885l-3.12 2.87-4.296-.578-.75 4.065L0 12.177l1.906 3.708L0 19.593l3.834 1.934.75 4.066 4.297-.578L12 27.885l3.12-2.87 4.296.578.75-4.066L24 19.593l-1.906-3.708L24 12.177l-3.834-1.935-.75-4.065-4.297.578Zm1.408 4.13 1.334 1.366-8.144 7.78-4.027-3.81 1.342-1.366 2.685 2.59 6.81-6.56Z" fill="#002aff"></path> </svg> </div> <div> <strong class="financial-product-card__perks-banner__title headline-semibold"> Perks </strong> <p class="financial-product-card__perks-banner__text headline-regular">Relationship discount of 0.25%</p> </div> </div> <div class="financial-product-card__specs"> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Regular APR </strong> </div> <p class="financial-product-card__specs__text headline-regular">7.49% to 24.99% (with relationship discount)</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Loan Amount Range </strong> </div> <p class="financial-product-card__specs__text headline-regular">$3,000 to $100,000</p> </div> <div> <div> <strong class="financial-product-card__specs__title headline-semibold"> Minimum Credit Score </strong> </div> <p class="financial-product-card__specs__text headline-regular">Undisclosed</p> </div> </div> </div> <div class="financial-product-card__collapsable-area d-none"> <div class="pros-and-cons pros-and-cons__financial"> <div class="pros-and-cons__subgrid-container" style="grid-row: span 5" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons"> <strong class="headline-semibold">Pros</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Large maximum loan amounts</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Discounts for current customers</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>Established brick-and-mortar lender</span></li> <li class="pros-and-cons__list-item headline-regular"><svg xmlns="http://www.w3.org/2000/svg" width="12" height="13" fill="none"> <title>Check mark icon</title> <desc>A check mark. It indicates a confirmation of your intended interaction.</desc> <path d="m11.7867 3.1745-1.2679-1.366-6.4774 6.5606L1.4879 5.779.2119 7.1456l3.8302 3.8098 7.7446-7.7808Z" fill="#098941"></path> </svg> <span>No origination fee or prepayment penalty</span></li> </ul> </div> <div class="pros-and-cons__subgrid-container" style="grid-row: span 4"> <strong class="headline-semibold">Cons</strong> <ul class="pros-and-cons__list"> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>Significant late fees</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>History of mismanaging customer information</span></li> <li class="pros-and-cons__list-item headline-regular"> <svg xmlns="http://www.w3.org/2000/svg" width="13" height="13" fill="none"> <title>con icon</title> <desc>Two crossed lines that form an 'X'.</desc> <path d="m11.3536 2.5486-1.0173-1.0173L6.5 5.3674 2.6638 1.5313 1.6465 2.5484l3.8362 3.8363-3.8362 3.8363 1.0173 1.0173L6.5 7.4021l3.8363 3.8363 1.0173-1.0173-3.8363-3.8363 3.8363-3.8363Z" fill="#EA0201"></path> </svg> <span>No online applications for non-customers</span></li> </ul> </div> </div> <div class="financial-product-card__editorial-opinion"> <strong class="financial-product-card__editorial-opinion__title headline-semibold"> Insider’s Take </strong> <p class="financial-product-card__editorial-opinion__text headline-regular">Wells Fargo Personal Loan are a good choice if you need a significant amount of cash, as you can borrow up to $100,000 with the lender. However, if you're not a current customer, you can't apply for a personal loan without visiting a branch.</p> </div> <div class="financial-product-card__product-details"> <strong class="financial-product-card__product-details__title headline-semibold"> Product Details </strong> <ul class="financial-product-card__product-details__list headline-regular"> <li class="financial-product-card__product-details__list-item">Loan amounts range from $3,000 to $100,000</li> <li class="financial-product-card__product-details__list-item">Term lengths range from 1 to 7 years</li> <li class="financial-product-card__product-details__list-item">Rate discounts to customers who have a checking account with the bank and who make their loan payments automatically through that account</li> <li class="financial-product-card__product-details__list-item">Non-customers must apply by visiting a branch and talking with a banker</li> <li class="financial-product-card__product-details__list-item">Loans made by Wells Fargo, member FDIC</li> </ul> </div> </div> <div class="financial-product-card__collapse-button-container"> <a class="financial-product-card__collapse-button not-content-link headline-semibold" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" data-analytics-product-index="1" data-analytics-product-module="financial_product_card" data-analytics-product-area="pros_cons_and_more" rel=""> <span class="financial-product-card__expander-label">Show Pros, Cons, and More</span> <svg xmlns="http://www.w3.org/2000/svg" width="16" height="17" fill="none"> <title>chevron down icon</title> <desc>An icon in the shape of an angle pointing down.</desc> <path d="M3.679 6.474a.05.05 0 0 1-.01-.014s-.002-.004-.002-.012V6.44l.001-.001s.002-.005.011-.014l.961-.962c.008-.008.014-.01.014-.01s.004-.002.012-.002h.008l.001.001.004.002a.078.078 0 0 1 .01.01L8 8.771l3.311-3.311c.008-.008.014-.01.014-.01s.004-.002.01-.002h.007l.003.001s.007.003.018.013l.959.96c.009.009.01.013.01.013l.001.002V6.456s-.004.007-.014.018L8.026 10.77a.049.049 0 0 1-.014.01s-.004.002-.012.002h-.008l-.002-.001s-.007-.003-.018-.013L3.68 6.474Z" fill="#002aff"></path> </svg> </a> </div> </div> <p class="headline-semibold">Compare Personal Loan Rates</p> <div id="evenFinancialPersonalLoans"> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-consent="MARKETING" data-onload="addEvenFinLoansIframe()" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <script defer=""> function addEvenFinLoansIframe() { document.getElementById('evenFinancialPersonalLoans').innerHTML += '<iframe class="even-iframe" id="iFrameResizer0" scrolling="no" src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe>'; } </script> </div></aside><h2 data-toc-label="Rates and Fees" id="rates-and-fees" class="toc-anchor">Wells Fargo Personal Loan Interest Rates and Fees</h2><p>Your interest rate will depend on your credit score, loan amount, and other personal financial details. Generally, though, here's what you need to know about the costs of Wells Fargo personal loans.</p><h3>Current Interest Rates</h3><p>Interest rates on <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo personal loans</a> currently range from 7.49% (if you have an existing relationship with Wells Fargo) to 24.99%. Some lenders offer lower rates, but in general this range is pretty typical.</p><h3>Additional Fees and Charges</h3><p>Wells Fargo doesn't charge <a href="https://www.businessinsider.com/personal-finance/personal-loans/what-is-an-origination-fee" data-analytics-product-module="body_link" rel="">origination fees</a>, closing fees, or prepayment penalties, but the lender may stick you with a $39 late fee if you don't make your payment on time. </p><h2>Wells Fargo Personal Loan Terms and Conditions</h2><p>You can get a Wells Fargo loan with a term between 12 months to 84 months. You must have had a Wells Fargo account for at least 12 months to qualify.</p><h2 data-toc-label="How to Apply" id="how-to-apply" class="toc-anchor">Wells Fargo Personal Loan Eligibility and Application Process</h2><p>While <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo personal loans</a> are offered in all 50 states, it <a href="https://www.wellsfargo.com/locator/search/?searchTxt=&mlflg=N&sgindex=99&chflg=N&bo=1&_bo=on&_wl=on&_os=on&_bdu=on&_adu=on&_ah=on&_sdb=on&_aa=on&_nt=on&_fe=on#ia" target="_blank" rel="noopener nofollow" data-analytics-product-module="body_link">doesn't have branches in 14 states.</a> These states are Ohio, Michigan, Kentucky, West Virginia, Missouri, Oklahoma, Louisiana, Maine, Vermont, New Hampshire, Massachusetts, Rhode Island, and Hawaii.</p><p>This may pose a problem, as only current customers qualify to apply for loans through Wells Fargo's online portal or by phone. If you aren't a customer, you have to apply by visiting a branch and talking with a banker.</p><p>See below for more info on applying for a Wells Fargo personal loan.</p><h3>Eligibility Requirements</h3><p>You'll need to meet the following requirements to apply for a personal loan with Wells Fargo:</p><ul><li aria-level="1">Meet the legal adult age requirement for your state</li><li aria-level="1">Provide a valid Social Security number or Individual Taxpayer Identification number</li><li aria-level="1">Have a physical U.S. address</li></ul><p>You will also need to have at least a 660 credit score and have had an account with Wells Fargo for at least 12 months before applying.</p><h3>Application Process Step-by-Step</h3><p>After verifying you qualify, here are the next steps to follow:</p><ol><li><strong> Check your rate. </strong>Wells Fargo allows borrowers to <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-pre-qualify-for-personal-loan" rel="">prequalify for loans</a> by applying through its website — though you'll have to be an existing customer to apply online. If you're not a customer, you'll need to visit a branch and talk with a banker to apply. You'll be able to get your rate without impacting your credit score. You'll need to input your name, email address, state of residence, desired loan amount and purpose, and other information.</li><li><strong> Look over your loan offerings and choose the one that makes sense.</strong> After you submit your initial information, Wells Fargo will send you potential loan terms. A shorter term length means bigger monthly payments — but you'll save more in interest. You'll need to send in a formal application, which may also require additional documents, like W-2s, pay stubs, or bank statements. </li><li><strong> Confirm your loan terms and plan for repayment. </strong>After you sign the document accepting your loan terms, your loan will be approved and funded. Make sure you've added your loan payments into your budget.</li></ol><aside class="quick-tip headline-regular ignore-typography"><p><strong>Quick tip:</strong> You can check <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-to-pre-qualify-for-personal-loan" data-analytics-product-module="body_link" rel="">prequalified personal loan offers</a> from multiple lenders in a loan marketplace can help make sure you find the best rate available.</p></aside><h2 data-toc-label="Pros and Cons" id="pros-and-cons" class="toc-anchor">Wells Fargo Personal Loans Pros and Cons</h2><h3>Advantages</h3><ul><li aria-level="1"><strong>Established brick-and-mortar lender.</strong> If having a well-established lender is important to you, Wells Fargo is one of the oldest and largest institutions you can use. Other large banks like Chase and Bank of America don't offer personal loans.</li><li aria-level="1"><strong>Relationship discounts. </strong>Instead of the more common autopay discounts offered by lenders to anyone who sets up automatic payments on their loans, Wells Fargo offers discounts to current customers who pay their loans through their consumer <a href="https://www.businessinsider.com/personal-finance/banking/wells-fargo-review" rel="">Wells Fargo checking accounts</a>.</li><li aria-level="1"><strong>Large loan amounts. </strong>You can borrow up to $100,000 with Wells Fargo, which is significantly higher than many other comparable lenders. For example, you can only borrow up to $35,000 with Discover.</li><li aria-level="1"><strong>No origination fee or prepayment penalty. </strong>You won't have to worry about origination fees with Wells Fargo. Origination fees are taken out of your overall loan proceeds. Additionally, you can pay off your loan early if needed.</li></ul><h3>Disadvantages </h3><ul><li aria-level="1"><strong>A history of mismanaging customer information.</strong> Wells Fargo has been at the heart of numerous scandals over the past several years, with allegations including creating fake bank accounts to meet sales goals, predatory lending practices to minorities, and overcharging customers on home and auto loans.</li><li aria-level="1"><strong>No online applications for non-customers. </strong>Only current customers are eligible to apply for loans through Wells Fargo's online portal or by phone. Non-customers must apply by visiting a branch and talking with a banker.</li><li aria-level="1"><strong>Hefty late fees.</strong> Wells Fargo will charge up to $39 late payment fee. Other personal loan lenders don't charge any late fees.</li></ul><h2>Wells Fargo Personal Loan Customer Reviews and Ratings</h2><p>The Better Business Bureau, a nonprofit organization focused on consumer protection and trust, gives Wells Fargo an F grade, and based on customer reviews with the BBB, it has 1.06/5 stars. More than 6,400 BBB complaints have been filed against Wells Fargo in the last three years.</p><p>Wells Fargo also has 1.3 stars out of 5 on Trustpilot. Nearly 90% of customers give their experience just one star.</p><p>There have been several government actions against the company, too. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts. The bank illegally charged fees and interest penalties on auto and mortgage loans. Additionally, the CFPB said that Wells Fargo misapplied payments to those loans for many customers. </p><p>If Wells Fargo's history bothers you, you may want to consider other options on Insider's list of the best personal loans.</p><h2 data-toc-label="Wells Fargo Personal Loan Alternatives" id="wells-fargo-personal-loan-alternatives" class="toc-anchor">Wells Fargo Personal Loan Alternatives</h2><h3><strong>Wells Fargo Personal Loan vs. Discover Personal Loan</strong></h3><p>You can borrow up to $100,000 with Wells Fargo, which is a much higher maximum loan amount than a Discover personal loan, which maxes out at $35,000. If you need a larger personal loan, Wells Fargo may be a better option. </p><p>Wells Fargo's repayment terms range from one to seven years, while Discover's terms range from three to seven years. If you want a shorter term length — and to save money on overall interest in the process — Wells Fargo may be the choice for you. </p><p>A distinguishing feature of Discover is its 30-day money-back guarantee on its personal loans. If you decide within 30 days of receiving your loan that you no longer want it — perhaps you found a better rate elsewhere — you can return the funds via check and won't be charged any interest. Wells Fargo doesn't have a similar unique perk. </p><p>Read our <a href="https://www.businessinsider.com/personal-finance/personal-loans/discover-personal-loans-review" data-analytics-product-module="body_link" rel="">Discover personal loan review</a>.</p><h3><strong>Wells Fargo Personal Loan vs. Upstart Personal Loan</strong></h3><p>Getting approved for an Upstart personal loan isn't dependent solely on credit scores. For people who have struggled with credit in the past, Upstart will factor in a few other pieces of information for a better shot at approval.</p><p>Upstart also can charge origination fees up to 8%, while Wells Fargo doesn't charge any origination fees. See the best lenders offering <a href="https://www.businessinsider.com/personal-finance/personal-loans/best-personal-loans-no-origination-fees" data-analytics-product-module="body_link" rel="">personal loans with no origination fee</a>.</p><p>Read our <a href="https://www.businessinsider.com/personal-finance/personal-loans/upstart-personal-loan-review" data-analytics-product-module="body_link" rel="">Upstart personal loan review</a>.</p><h2 data-toc-label="Why You Should Trust Us" id="why-you-should-trust-us" class="toc-anchor">Why You Should Trust Us: How We Rated Wells Fargo Personal Loans</h2><p>We rated <a target="_blank" rel="nofollow noopener noindex" data-analytics-product-module="body_link" data-analytics-product-id="5f32f5064dca684879136c41" data-analytics-product-brand="Wells Fargo" data-analytics-product-name="Wells Fargo Personal Loan" href="https://affiliate.insider.com/?amazonTrackingID=bi-auto-70847-20&h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&platform=browser&postID=66981cb3c79d31931d79db0a&postSlug=personal-finance%2Fpersonal-loans%2Fwells-fargo-personal-loan-review&site=bi&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo" data-am-orig-url="https://affiliate.insider.com/?h=4b83cc37588faebe45f92bfec00928154261e054454ab215e2a9546856d85eda&u=https%3A%2F%2Ffiona.com%2Fpartner%2Fbusinessinsiderbridge%2Floans%3Fbridge_partner%3Dwells-fargo">Wells Fargo personal loans</a> by following our <a href="https://www.businessinsider.com/personal-finance/personal-loans/how-we-rate-personal-loans" data-analytics-product-module="body_link" rel="">methodology for reviewing personal loans</a>.</p><p>Our methodology involves rating a personal loan across seven different categories some of which are judged more heavily than others. They are:</p><ul><li>Interest rate (20% of rating)</li><li>Fees (20% of rating)</li><li>Term lengths and loan amounts (15% of rating)</li><li>Funding speed (15% of rating)</li><li>Borrower accessibility (15% of rating)</li><li>Customer support (7.5% of rating)</li><li>Ethics (7.5% of rating)</li></ul><p>Each category's weighting is based on its importance to your borrowing experience. Rates and fees have the most direct impact on the overall cost of your loan, so we weigh those the most heavily.</p><h2 data-toc-label="FAQs" id="faqs" class="toc-anchor">Wells Fargo Personal Loan Frequently Asked Questions</h2> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> What credit score is needed for a Wells Fargo personal loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Wells Fargo typically requires a credit score of at least 660 for personal loan approval, though higher scores may qualify for better rates.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> How long does it take to get approved for a Wells Fargo personal loan? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Approval time can vary, but many applicants receive a decision within a few business days.</p> </div> </div> </div> <div class="collapsable-faq collapsable-faq-dropdown collapsable-faq-dropdown-last" data-parent-index="" data-component-type="collapsable-faq" data-root-margin="0px 0px 100% 0px"> <div class="collapsable-faq-dropdown_header"> <span class="collapsable-faq-dropdown_text headline-semibold faq-question"> Can I use a Wells Fargo personal loan for debt consolidation? </span> <span class="collapsable-faq-dropdown_chevron"> <svg class="svg-icon chevron-icon " data-chevron-icon="" role="img" xmlns="http://www.w3.org/2000/svg" width="1em" height="1em" viewBox="0 0 14.4 8.4" id="chevron-icon"> <title>Chevron icon</title> <desc>It indicates an expandable section or menu, or sometimes previous / next navigation options.</desc> <path class="chevron" fill="none" stroke="#76767a" stroke-linecap="square" d="M.7.7l6.5 7 6.5-7"></path> </svg> </span> </div> <div class="collapsable-faq-dropdown_wrap"> <div class="collapsable-faq-dropdown_content"> <p class="faq-answer">Yes, Wells Fargo personal loans can be used for debt consolidation, allowing you to combine multiple debts into one manageable payment.</p> </div> </div> </div><div> <div class="script" data-lazy-load="script" data-load-strategy="lazy" data-src="https://embed.hifiona.com/script/helper/bundle.js" data-async="true" data-defer="true"></div> <iframe class="even-iframe" id="iFrameResizer0" scrolling="no" data-src="https://embed.hifiona.com/ui/multi-product/index.html?partner=business-insider&access_token=67469272-b8b5-4728-8a00-888ada3b8073_e8cd386c-b739-43de-9f23-fcd8537fe029&company_uuid=84ef3821-4efd-4450-bcc7-178bb19ecbb4&productType=loan&pw_fiona=true&available_products=loan" style="width: 100%; border: none;"></iframe> </div><section class="post-authors" data-component-type="post-author"> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="aly-yale"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" alt="A headshot of writer Aly J Yale."> <noscript> <img src="https://i.insider.com/61096c6d372268001a596aec?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/aly-yale" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Aly J. Yale</div> </a> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded0"> <div class="post-author_bio_content"> <span>Aly J. Yale is a writer and editor with more than 10 years of experience covering personal finance topics including mortgages and real estate. She contributes to Personal Finance Insider’s mortgages and loans coverage.</span><span><span class="headline-semibold">Experience</span></span><span>Aly began her journalism career as reporter, and later an editor, for several neighborhood sections of the Dallas Morning News.</span><span>Her work has been published in several national publications, including Bankrate, CBS, Forbes, Fortune, Money, Newsweek, US News and World Report,  the Wall Street Journal, and Yahoo Finance. She’s also contributed to a variety of mortgage and real-estate publications, such as The Balance, Builder Magazine, Housingwire, MReport, and The Mortgage Reports. </span><span>Her favorite personal finance tip is to schedule regular check-ins to make sure your credit cards, savings accounts, and other financial vehicles still align with your budget and financial goals. She is a member of the National Association of Real Estate Editors (NAREE).</span><span><span class="headline-semibold">Expertise</span></span><span>Aly’s areas of personal finance expertise include:</span><ul><li><span>Mortgages</span></li><li><span>Loans</span></li><li><span>Real estate</span></li><li><span>Insurance</span></li><li><span></span></li></ul><span><span class="headline-semibold">Education</span></span><span>Aly is a graduate of Texas Christian University, where she received a bachelor’s degree in radio/TV/film and news-editorial journalism.</span> </div> <label for="expanded0" role="button" class="post-author_bio_more">Read more</label> <label for="expanded0" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> <div class="post-author"> <a id="post-author_profile-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="author-profile-image-wrapper" data-slug="ryan-wangman"> <div class="lazy-holder author-profile-image"> <img class="lazy-image author-profile-image" src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" alt="Ryan Wangman, a white man with brown hair, sits in front of a stone wall. He smiles into the distance, wearing blue jeans and a dark blue, long-sleeved sweater."> <noscript> <img src="https://i.insider.com/612f9f319ef1e50018f929fd?crop=1:1&width=256&format=jpeg&auto=webp" /> </noscript> </div> </div> </a> <div class="post-author_info"> <div class="post-author_top"> <a id="post-author_name-link" class="post-author_link not-content-link" href="https://www.businessinsider.com/author/ryan-wangman" target="_blank" data-analytics-product-module="author-bio" rel=""> <div class="post-author_name headline-semibold">Ryan Wangman, CEPF</div> </a> <div class="post-author_title headline-regular">Loans Reporter</div> </div> <div class="post-author_bio headline-regular"> <input type="checkbox" id="expanded1"> <div class="post-author_bio_content"> <span>Ryan Wangman was a reporter at Personal Finance Insider reporting on personal loans, student loans, student loan refinancing, debt consolidation, auto loans, RV loans, and boat loans. He is also a Certified Educator in Personal Finance (CEPF).</span><span>In his past experience writing about personal finance, he has written about credit scores, financial literacy, and homeownership. He graduated from Northwestern University and has previously written for The Boston Globe. </span> </div> <label for="expanded1" role="button" class="post-author_bio_more">Read more</label> <label for="expanded1" role="button" class="post-author_bio_less">Read less</label> </div> </div> </div> </section> <div class="featured-products sticky-featured-product"> <span class="headline-semibold featured-products-heading">Top Offers From Our Partners</span> <div class="featured-product"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" data-analytics-product-area="image" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" class="featured-product-image not-content-link" rel="nofollow noindex"> <div class="lazy-holder lazy-holder " style="padding-top: calc(100% * 95 / 149)"> <img class="lazy-image " src="data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1 1'%3E%3C/svg%3E" data-content-type="image/png" data-srcs="{"https://i.insider.com/60a53ef9e25d05001880c7d2":{"contentType":"image/png","aspectRatioW":1200,"aspectRatioH":320}}" alt="LendingClub Logo"> <noscript> <img src="https://i.insider.com/60a53ef9e25d05001880c7d2?width=600&format=jpeg&auto=webp" /> </noscript> </div> </a> <div class="featured-product-hgroup"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-heading not-content-link" data-analytics-product-area="title" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - Do Not Use in Content" data-analytics-product-name="LendingClub LevelUp Savings Account" data-analytics-product-id="63cff3349bca6000112c3c92" rel="nofollow noindex"> LendingClub LevelUp Savings Account </a> <span class="headline-semibold featured-product-sub-heading"> Earn 4.75% APY when you deposit $250 per month <div class="component rich-tooltip featured-product-rich-tooltip" role="tooltip" data-tooltip-position="right"> <svg class="svg-icon tooltip-icon " role="img" xmlns="http://www.w3.org/2000/svg" viewBox="0 0 60 60"> <title></title> <desc>A tooltip</desc> <path d="M30.6 36.6l.1-1.2c.2-2.3 1.3-3.3 3.4-5.2 2.5-2.3 5.7-4.5 5.7-8.6 0-5-4.3-7.7-9.2-7.7-3.8 0-6.8 1.5-10 4.4l2.2 2.5c3.1-2.5 5-3.5 7.7-3.5 3.2 0 5.4 1.7 5.4 4.4s-2.2 4.2-4.4 6.1c-3.4 2.9-4 4.1-4 7.3v1.5h3.1zm.7 8.4v-4.6h-4.4V45h4.4z"></path> <path d="M30 0c16.6 0 30 13.4 30 30S46.6 60 30 60 0 46.6 0 30 13.4 0 30 0zm0 3C15.1 3 3 15.1 3 30s12.1 27 27 27 27-12.1 27-27S44.9 3 30 3z"></path> </svg> <div class="rich-tooltip-wrapper headline-regular"> <div class="rich-tooltip-message headline-regular">Earn 4.75% APY when you deposit at least $250 per month, earn 3.75% standard APY if minimum isn't met.</div> </div> </div> <style>.rich-tooltip-wrapper { display: none; }</style> </span> </div> <div class="featured-product-cta"> <a href="https://offers.moneylion.com/channelTrackingOfferRedirect/ef7e9365-d513-464f-b2f2-5b4ee58fb7d8/7730fd4f-e907-4d31-b88e-89806ac20f06" target="_blank" class="featured-product-link not-content-link" data-analytics-product-area="button" data-analytics-product-module="featured_product" data-analytics-product-index="1" data-analytics-product-brand="Right Rail - 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