Wells Fargo Auto Loans
Wells Fargo Auto Loans
in Auto Loans from Wells Fargo Bank

Wells Fargo Auto Loans

in Auto Loans from Wells Fargo Bank
SuperMoney Net Recommendation Score -73  


This product is strongly not recommended by SuperMoney users with a score of -73, equating to 1.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly not recommended

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Community Rating Strongly not recommended
Credit Score Range 650 - 850
Loan Amount N/A
APR  (Fixed APR) 3.88% - 19.51%
Loan Term (Months) Up to 72 months
Number of Reviews 15

Wells Fargo Auto Loans Review

Wells Fargo Auto Loans is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Auto Loans are available in 50 states (and Washington, DC).

Wells Fargo auto refinance FAQ

What APR does Wells Fargo auto refinance offer on its car loans?

Wells Fargo auto refinance offers a fixed apr car loan product that ranges from 3.88% APR up to 19.51% APR.

Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.

What is the maximum auto loan term you can get with Wells Fargo auto refinance?

Wells Fargo auto refinance has car loans with a maximum term of 72 months. Having the option of longer terms allows borrowers to take on larger auto loan amounts while keeping monthly payments more affordable. However, the longer the term of your car loan, the more interest you will pay.

Does Wells Fargo auto refinance charge an origination fee?

Yes, Wells Fargo auto refinance may charge a loan origination fee.

Does Wells Fargo auto refinance charge a late fee?

Yes, Wells Fargo auto refinance charges borrowers with a late payment penatly fee

Does Wells Fargo auto refinance charge prepayment fees?

Yes, Wells Fargo auto refinance does charge borrowers a fee if they pay their loans early. Consider prepayment fees when you choose a lender because prepayment can reduce or even cancel the interest savings of repaying a loan early.

Can I pay off early my Wells Fargo auto refinance loan?

Yes, you can. However, Wells Fargo auto refinance charges a prepayment fee if you pay your car loan early. This fee could reduce or eliminate the savings from paying the car loan early.

What do you need to qualify for Wells Fargo Auto Loans?

Applicants with a credit score of at least 650 and up to 850 may be eligible for Wells Fargo Auto Loans. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Wells Fargo Auto Loans does not have or does not disclose a minimum annual income eligibility requirement. Wells Fargo Auto Loans only considers borrowers who are employed.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Wells Fargo Auto Loans. Their rates fall within the limits of The Military Lending Act.

To qualify, applicants may need to provide the following documentation:

  • Recent pay stubs
  • Proof of income
  • Driver's license
  • Proof of citizenship or residence permit

What is the estimated funding time for a car loan via Wells Fargo auto refinance?

Wells Fargo auto refinance will typically approve (or deny) a car loan application within 24 hours and fund the car loan within 7 business days of approval.

Is Wells Fargo Bank a legit company?

Wells Fargo Bank was founded in 1852, it is a well-established company that has been in business for 171 years. Wells Fargo Auto Loans are strongly not recommended by SuperMoney community users.

Wells Fargo Auto Loans Disclosure: "Customers who qualified for our lowest APRs have an excellent credit history and a loan amount that’s greater than $22,000 and less than 85% of the car’s value. The APR includes a relationship discount of 0.25%."
SuperMoney Disclosure: is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Wells Fargo auto refinance

The name Wells Fargo is forever linked with the image of a six-horse stagecoach thundering across the American West, loaded with gold. The full history, over more than 160 years, is rich in detail with great events in America’s history. From the Gold Rush to the early 20th Century, through prosperity, depression and war, Wells Fargo earned a reputation of trust due to its attention and loyalty to customers. Today in the 21st Century, with extensive and diversified financial services, the Wells Fargo name once again extends “Ocean-to-Ocean,” “Over-the-Seas,” and, of course, online.

Wells Fargo is a leading auto lender with more than 12,000 dealer relationships nationwide. Ask if Wells Fargo financing is an option when purchasing for your next vehicle.

Message From Our Editor

What we love about Wells Fargo Auto Loans

Wells Fargo offers flexible auto loans, giving you the option to buy a new or used car from a dealer or in a private transaction. This lack of restrictions makes it very easy for you to shop around to find the best deal on a car. Keep in mind that if you make a private transaction, you have to finalize the loan in-branch.

The bank’s loans are also flexible. You can choose a term up to 72 months and may not need to provide any down payment to secure the loan. Wells Fargo banking customers can also enjoy an interest rate discount that will save them money over the life of their loan.

What could Wells Fargo Auto Loans do better?

Wells Fargo has had some controversy in the past, including a situation where many people had accounts opened without their consent. This has given the company a reputation for poor customer service and left some consumers wary about dealing with the company.

The auto loans themselves are relatively good, giving borrowers lots of options to customize their loans, but these past controversies are something that Wells Fargo has to work to overcome.

Wells Fargo Auto Loans’s backstory

Wells Fargo is an American financial services company that operates globally. It is headquartered in Manhattan and is one of the largest banks in the world. It offers many financial services to its customers including banking, investing, wealth management, and lending.

The Verdict

Wells Fargo’s auto loans are easy to apply for and can be used to purchase almost any type of vehicle. If you’re a Wells Fargo customer already, you can get some perks like an interest rate discount but even people who don’t already bank with Wells Fargo could get a good deal from the bank.


Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

Other Services by Wells Fargo Bank


  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Application Fee $0
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
Credit Score Range 650 - 850
APR Type Fixed APR
APR (Fixed APR) 3.88% - 19.51%
Loan Term Up to 72 months

Wells Fargo Auto Loans Community Reviews


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This product is strongly not recommended by SuperMoney users with a score of -73, equating to 1.5 on a 5 point rating scale.


Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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