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Wells Fargo Personal Loan Calculator, Interest Rates & Overview

Updated 6 March 2024

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Wells Fargo personal loans overview

Whatever expense you want to cover, Wells Fargo offers customizable personal loans that fit your needs. With low interest rates and flexible terms, you can consolidate debts, make major purchases, and more. You can enjoy easy application, quick credit decisions, and minimal fees, too.

Want to see what a Wells Fargo personal loan will cost? Try the Wells Fargo personal 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.

Personal loans have an annual percentage rate (APR) varying from around 3% to 36% APR. The interest rates you can receive will depend on a range of factors, such as your credit score, income, and debt-to-income ratio. On a loan of $10,000 over 5 years, the cost could vary between $10,781 and $21,680. The interest cost is between $781 and $11,680.

Key features

Minimum loan amount: $3,000.
Maximum loan amount: $100,000.
Interest rates: 8.49% to 24.49% APR.
Loan terms: 12 to 84 months.
Loan fees: No origination fee and closing fee.
Discounts: Relationship discounts.

Wells Fargo personal loan options

Personal loans

You can explore your options with a personal loan and borrow up to $100,000 without collateral. Interest rates can be as low as 8.49% APR, and repayment terms extend up to 84 months. Plus, you can use the funds for a variety of purposes, like debt consolidation, home renovation, etc.

Wells Fargo personal loan calculator

Loan amount

Term

Provider

Product Information

EST Monthly
Repayment

Interest
Rate

Repayment
Period

Loan
Amounts

Sort loans by

Loan Amount

$10,000

Term

3 months

Change

Wells Fargo personal loans

Estimated Month Repayments

$303 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

Wells Fargo personal loans

Estimated Month Repayments

$303 Inclusive of fees

Interest Rate

5.74%
APR

Repayment Period

12 months
to 84 months

Loan Amounts

$3,000
to $10,000

Go to site

Checking and savings accounts and credit cards for your everyday business expenses and cash management.

Featured

Eastman Credit Union personal loans (Shared Secured Personal Loan)

Estimated Month Repayments

$424 Inclusive of fees

Interest Rate

29.90%
APR

Repayment Period

12 months
to 12 months

Loan Amounts

$1,000
to $20,000

Go to site

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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 personal loan

Eligibility criteria

Even if Veridian doesn’t disclose the requirements for loans, you commonly need to be:

18 years old or legal to obtain financing
A legal resident
Employed or have a stable source of income

Other than the basic requirements, you need to be a Wells Fargo customer for at least 12 months. So, ensure you check your eligibility before applying.

What you’ll need to have ready

Personal details

When you apply for personal 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 can apply for the loan directly on Wells Fargo’s website. During your application, you might need to supply additional documents or information. These may relate to your source of income, bank account details, and address history.

Besides preparing the documents you need, check your credit score, too. This will give you an idea of the lending opportunities you qualify for. Plus, this gives you a chance to build your credit before applying and secure a lower rate, better loan term, and manageable monthly payment.

Ways to apply for a Wells Fargo personal loan

Apply online by clicking the GO TO SITE link in the table below
Visit a branch
Call 1-877-526-6332

Additional Wells Fargo personal loan details

Automatic payment: Available.

Loan approval times: Same-day credit decisions.

Rate discounts: 0.25% APR relationship discount.

Repayment frequency: Monthly.

Late payment fees: Undisclosed.
Prepayment penalty: $0.

Co-borrowers allowed: Undisclosed.
Co-signers: Undisclosed.

Hardship program: Financial assistance offered. (Know more)

Ways to repay: Online banking, mobile banking, over the phone, in a branch, and by mail.

PROS AND CONS

Pros

Competitive rates.
Long terms.
Flexible borrowing options.
No prepayment penalties, origination fees, and closing fees.
Fast loan decisions.
Autopay discounts.
Soft credit check offered.
Quick funding.
Fixed interest rate for predictable monthly payments.
Convenient online application.

Cons

Undisclosed late fees.
Only offered to existing Wells Fargo customers.
Potential higher rates for borrowers with low credit scores.

FREQUENTLY ASKED QUESTIONS

How to apply for a Wells Fargo personal loan?

You can apply online, over the phone, or at a Wells Fargo branch.

How fast does Wells Fargo approve personal loans?

Wells Fargo commonly gives loan decisions on the same day. Note that it may take more if you need to provide more information.

How long does it take for a Wells Fargo loan to be paid into my account?

You may get the funding within one to three business days once you’ve accepted the personal loan.

How much can I borrow from Wells Fargo?

Wells Fargo offers personal loans from $3,000 to $100,000.

How much interest does Wells Fargo charge on personal loans?

Interest rates range from 8.49% to 24.49% APR. Remember though that it may depend on your credit score, loan amount, term, and more.

Are Wells Fargo personal loans fixed or variable?

Wells Fargo personal loans come with fixed interest rates.

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

You can pick repayment plans from 12 to 84 months.

Can I repay my personal loan early?

Wells Fargo’s personal loans don’t come with prepayment penalties.

How do I pay my personal loan?

You can make your monthly payment through online and mobile banking, phone, mail, and in person.

Wells Fargo Personal Loan Calculator, Interest Rates & Overview