Conditions and limitations
Applicants must have been Wells Fargo customers for at least 12 months. The lowest rate includes a relationship discount. Published ranges are not personalized offers; your terms depend on underwriting and state.
OFFICIAL PRODUCT TERMS
Wells Fargo
Personal Loan Terms
Published terms from Wells Fargo’s official pages, checked Nov 2, 2026. Your own rate and eligibility are set by the provider.
Wells Fargo Personal Loan
Published APR6.74% – 26.74%A range, not your rate
Loan amount$3,000 – $100,000May vary by state
Repayment term12 months – 84 monthsLonger terms cost more overall
Origination fee0.00%Usually taken from the loan
Eligibility
- Minimum credit score
- Not disclosed
- Direct pay to creditors
- No; funds go to your account first
- Co-applicant
- Not disclosed
- Autopay discount
- 0.25% relationship discount
- Late fee
- May be assessed
- Prepayment penalty
- None
- State availability
- Not disclosed
From the provider’s official pages. Not disclosed means the pages we checked do not state it; ask the provider.
Sources and verification
Terms checked Nov 2, 2026Source status: reviewed
A successful source check does not renew the financial terms. This is a factual product summary, not an endorsement or personalized offer. No affiliate tracking link is used.