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Wells Fargo Auto Loan Calculator, Interest Rates & Overview

Carla Soto
Carla Soto
Updated 27 November 2023
Fact checked

Wells Fargo auto loans overview

Wells Fargo logo

Since 1852, Wells Fargo has been helping customers and now has ATMs and banking branches across 36 states and Washington, D.C. Wells Fargo provides auto loans through its nearly 11,000 partner dealerships.

Want to see what a Wells Fargo auto loan will cost? Try the Wells Fargo auto loan calculator below! All you have to do is enter your desired loan amount and term to see an estimate. You can use the calculator to adjust your loan amount and term to see how it might affect your monthly repayments.

Key Wells Fargo auto loan features

  • Minimum loan amount: Undisclosed.
  • Maximum loan amount: Undisclosed.
  • Interest rates: Undisclosed.
  • Loan terms: Undisclosed.
  • Loan fees: Late fees and other charges vary per state. You can check your loan contract for more details.
  • Discounts: Undisclosed.

WELLS FARGO AUTO LOAN OPTIONS

New and used auto loans

You can purchase new and used vehicles with Wells Fargo’s car loans. Note though that financing is only available through the bank’s partner dealers. To know your interest rate and loan term, you can ask the dealership.

Wells Fargo auto loan calculator

Provider
Product Information
EST Monthly
Repayment
Interest
Rate
Repayment
Period
Loan
Amounts
Sort loans by

Loan Amount

$25,000

Term

60 months

Change
Wells Fargo

Wells Fargo auto loan

Wells Fargo auto loan
Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Wells Fargo auto loan
Featured
Achieva Credit Union

Achieva - New Auto Loan

Estimated Month Repayments
$437 Inclusive of fees
Interest Rate
1.89%
APR
Repayment Period
12 months
to 84 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Low fixed interest rates. Flexible terms. Same-day approvals. No hidden fees.
Featured
Bank of America

Bank of America auto loan

Estimated Month Repayments
$595 Inclusive of fees
Interest Rate
15.00%
APR
Repayment Period
12 months
to 72 months
Loan Amounts
$5,000
to $100,000
GO TO SITE
Get a low interest rate Bank of America auto loan

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Minimum and maximum loan periods vary between 1 month and 10 years. Annual Percent Rates (APR) vary between 4.99% and 35.99% p.a. Total interest repayments vary between $592 and $916 over the life of the loan. *APR is based on an unsecured loan of $20,000 over a term of 3 years. WARNING: This APR is true only for the examples and may not include all charges. Different terms, fees or loan amounts might result in a different APR. These rates can change without further notice.

How to apply for a Wells Fargo auto loan

Eligibility criteria

Even if Wells Fargo doesn’t specify the requirements for financing, you generally need to meet the following:

  • 18 years old or older
  • A legal resident
  • Employed or have a reliable source of income

Banks usually have higher credit standards. So, try to improve your credit standing before you apply. This will show lenders that you’re a responsible borrower. So, you may get more chances of securing lower interest rates and increase your chances of getting approved.

What you’ll need to have ready

Personal details

When you apply for auto financing with Wells Fargo, you’ll be asked to provide personal information such as:

  • An email address
  • Your full name
  • Address
  • Social Security number
  • Employment information
  • Income details
  • U.S. citizenship status
  • A list of monthly expenses

Documents

You may need to provide Wells Fargo with additional documents to complete your loan request. These documents may include a purchase agreement or bill of sale, car registration and title, instructions for buying out a lease, proof of income (such as federal tax returns and W-2s), and financial statements.

Keep in mind that Wells Fargo auto loans are only available through dealerships. So, ensure you prepare the documents ahead. This will help you have an easier and quicker loan application process.

Ways to apply for a Wells Fargo auto loan

  • Apply online by clicking the GO TO SITE link in the table below
  • Visit a branch
  • Call 1-800-289-8004

Additional Wells Fargo auto loan details

  • Automatic payment: Available.
  • Loan approval times: Undisclosed, but it may take a day or more depending on your application.
  • Rate discounts: Potential lower rates for borrowers with great credit.
  • Repayment frequency: Monthly.
  • Late payment fees: Undisclosed.
  • Prepayment penalty: None.
  • Co-borrowers allowed: Yes.
  • Co-signers: Undisclosed.
  • Hardship program: Financial assistance offered. (Know more)
  • Ways to repay: Online banking, mobile banking, over the phone, in a branch, by mail, and through MoneyGram and Western Union.

Vehicle restrictions and limitations

  • Maximum vehicle age: Undisclosed.
  • Maximum vehicle mileage: Undisclosed.
  • Other vehicle restrictions: Undisclosed.

PROS AND CONS

Pros

  • Nearly 11,000 partner dealerships nationwide.
  • No prepayment penalty.
  • Autopay available.
  • 24/7 access to your account.
  • Multiple payment options – online and mobile banking, over the phone, in person, by mail, and through MoneyGram and Western Union.
  • Financial assistance available.

Cons

  • Loans only available through dealerships.
  • Undisclosed loan rates, terms, and fees.
  • Unspecified loan amounts.

FREQUENTLY ASKED QUESTIONS

What is the current auto loan rate in Wells Fargo?

Wells Fargo doesn’t disclose the interest rates online. Nonetheless, you can visit any partner dealer to find out the rates you qualify for.

What is the maximum term of a Wells Fargo vehicle loan?

While the bank doesn’t specify the terms, they usually range from 36 to 72 months. Sometimes, loan terms can stretch up to 84 months or more.

Where can I apply for a Wells Fargo auto loan?

You can apply for an auto loan at any dealership that offers Wells Fargo financing.

What information do I need to provide when applying for a Wells Fargo car loan?

Other than your personal and loan details, you may also need to indicate details about your employment and income.

Can I repay my Wells Fargo vehicle loan early?

Yes. The bank doesn’t charge prepayment penalties when you pay your loan earlier.

How do I pay my Wells Fargo auto loan?

You can set up automatic payments online. Alternatively, you can pay your loan through online and mobile banking, in a branch, by mail, over the phone, and through MoneyGram and Western Union.

Will applying for an auto loan with Wells Fargo affect my credit score?

A loan application will need a hard credit check, so it will appear on your credit report. This will then lower your score for a short period. But you can build your credit by meeting your loan payments consistently.

Video: Meet FargoTM, the new virtual assistant in the Wells Fargo Mobile (R) App

Carla Soto
Carla Soto

Carla is a skilled copywriter at BestFind with a background in marketing and communications. She specializes in reviewing personal loan and finance products to help readers navigate the complex world of personal finance.

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