Wells Fargo personal loan

1.

The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. Your actual APR may be higher than the rate shown.

2.

At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 10/01/2025 to 12/31/2025. The rates shown are as of 01/10/2026 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your creditworthiness. The lowest rate available assumes excellent credit history.

3.

Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

4.

To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

5.

Late fees may still be assessed.

6.

Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you. New credit accounts are subject to application, credit qualification, and income verification.

7.

Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.

8.

On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

Important information. We only offer personal loans to existing Wells Fargo customers. For more information about becoming a customer, make an appointment to visit a location near you.

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

Wells Fargo & Company is an American multinational financial services company.[5][8] The company operates in 35 countries and serves more than 70 million customers worldwide.[5] It is a systemically important financial institution according to the Financial Stability Board, and is considered one of the "Big Four Banks" in the United States, alongside JPMorgan Chase, Bank of America, and Citigroup.[9]

The company's primary subsidiary is Wells Fargo Bank, N.A., a national bank that designates its Sioux Falls, South Dakota, site as its main office (and therefore is treated by most U.S. federal courts as a citizen of South Dakota).[10] It is the fourth-largest bank in the United States by total assets and is also one of the largest as ranked by bank deposits and market capitalization. It has 8,050 branches and 13,000 automated teller machines[5] and 2,000 stand-alone mortgage branches. It is the second-largest retail mortgage originator in the United States, originating one out of every four home loans,