Wells Fargo personal loan – How to apply

Advantages of Wells Fargo Personal Loan

With Wells Fargo Personal Loan, you can get between $3,000 and $100,000, which you repay over 12 to 84 months.


For most customers, the company also guarantees a same-day response to loan requests. This way, you can get money quickly in emergency situations.

Another interesting point is that the company does a soft credit inquiry to approve the loan. Unlike a hard inquiry, a soft inquiry does not affect your credit score and can only be seen by you if you request a copy of your credit report.

A hard inquiry, on the other hand, captures your credit report and other banks know that you have applied for credit.

This can affect your credit score.


In addition, customers can get a 0.25% discount on the interest rate of the Wells Fargo Personal Loan.

To do this, you must have a qualified checking account and make automatic payments from a Wells Fargo deposit account.

However, if automatic payments are cancelled, the loan rate may increase.

As such, consumers with the following accounts may qualify for the discount:

  • Wells Fargo Preferred Checking, Everyday Checking, College Checking® and At WorkSM Checking;
  • Premium Membership® Checking;
  • Way2Save® Checking;
  • Crown Banking® Checking;
  • Complete Advantage® Checking;
  • Clear Access BankingSM.

Wells Fargo Personal Loan Interest Rates

According to the website, the rate is 12.99% for a $13,000 loan that will be paid off in 36 months.

In this case, each installment is $438, totaling $15,768 at the end of the contract.

However, this is just an example.

Interest rates range from 6.99% to 23.24%, so they may vary based on your credit history, loan amount, and the term defined by the customer.

To apply

The first step would be to check the rate based on your credit profile.

To do this, click on the button above and indicate whether you are already a customer.

If you are not a customer, you need to become one to obtain the credit.

But if you are, simply choose between the option to log in with a username and password or manually enter your personal information.

The application can also be made at a physical branch, just click here to find one near your residence.

Finally, you can obtain the loan by phone: 1-877-526-6332.

If you provide your email during the process, the company will send you all information about the status of the process.

After approval, all you need to do is sign the contract and the funds will be deposited into your account.

Common questions about credit:

How is the payment for a Wells Fargo personal loan made?

There are several ways, the first of which is to sign up for Wells Fargo Online to make one-time payments or set up recurring payments.

Payment can also be sent in the form of a personal check, cashier’s check, or money order that can be processed by the Federal Reserve System.

This type of payment is done through mail and it is important to include the payment stub that is attached to the monthly statement.

On the other hand, it is possible to pay by phone at 1-877-269-6056.

Customer service is available from Monday to Friday from 7 am to 7 pm.

Similarly, you can pay in person at a branch or set up automatic payments through a checking or savings account.

Can I change the due date of my Wells Fargo personal loan payments?

Yes, you can do this by contacting the number provided above.

In addition, you can also pay off the loan early.

When you do this, the funds are applied first to any outstanding interest and fees and then to the remaining balance.

This results in lower overall interest charges during the loan term