Wells Fargo Personal Loan – Personal Loan
Wells Fargo offers unsecured personal loans up to $100,000 with no origination fees and rate discounts for existing customers with qualifying accounts.
Applying does not obligate you to accept a loan offer.
Wells Fargo Personal Loan – Review 2026
Wells Fargo is one of the four largest US banks with around 4,500 branches nationwide. Wells Fargo personal loans are available to existing customers with a Wells Fargo checking account and to new applicants who open one.
Loan Details
Loans range from $3,000 to $100,000 with terms of 12 to 84 months. APRs from 6.99% to 24.74% depend on credit, term, and loan amount. There is no origination fee, no prepayment penalty, and a 0.25% relationship discount for qualifying customers.
Who Qualifies
Wells Fargo personal loans require a checking account with the bank, a FICO score of 660 or higher, and verifiable income. Funds are typically available in your account the next business day after approval.
✓ Pros
- No fees
- Joint application option
- Relationship discount
- Large branch network
✗ Cons
- Wells Fargo account required
- Slower funding than online lenders
- Minimum FICO 660
Loan Example
Example: $20,000 loan for 60 months at 11.49% APR = monthly payment of $440.27, total payable $26,416.20.
Eligibility Requirements
- ✓ Existing or new Wells Fargo checking account
- ✓ Age 18+ years
- ✓ US citizen or permanent resident
- ✓ FICO 660+
- ✓ Verifiable income
Loan Features
- No origination or prepayment fees
- Loans up to $100,000
- Customer relationship discount
- Joint applications accepted
- Terms up to 7 years
Frequently Asked Questions
1-3 business days after submitting your application.
The minimum amount at Wells Fargo Personal Loan is $3,000 USD.