Where does Wells Fargo Auto Loans do business?

Wells Fargo Auto Loans is a direct lender based in San Francisco, CA. It was founded in 1852 and offers auto loans in 49 states (and Washington, DC).

What APR does Wells Fargo Auto Loans offer on its auto loans?

Wells Fargo Auto Loans offers auto loans with APRs starting at 3.12% and up to 19.51%.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 inaccuate information in your credit history with these credit monitoring tools

Does Wells Fargo Auto Loans charge an origination fee?

Yes, Wells Fargo Auto Loans charges a loan origination fee.

Does Wells Fargo Auto Loans charge a late fee?

Yes, Wells Fargo Auto Loans charges borrowers with a late payment penatly fee

Does Wells Fargo Auto Loans charge prepayment fees?

No, Wells Fargo Auto Loans will not charge you a fee for paying your loan early. Whenever possible choose lenders like Wells Fargo Auto Loans that don't charge a prepayment fee. These fees can reduce or even cancel the interest savings of repaying a loan early.

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

Wells Fargo Auto Loans requires borrowers to have a credit score of at least 650 to apply.

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

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

What is the estimated funding time for an auto loan via Wells Fargo Auto Loans?

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

  • Max Loan Term (Months)
  • Institution Type
    • Bank
    • Direct Lender
  • Credit Score Range
    650 - 850
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Retired
    • Self-Employed
  • Immigration Status Considered
    U.S. Permanent Resident
  • Joint Loan Applications Accepted
  • Military Status
    • Active Duty Military
    • Non-Military
  • Minimum Age
  • Verification Documents Required?
    • Proof of Income
    • Recent Pay Stubs
    • Driver License (or other photo ID)
    • Proof of citizenship/residence
  • No Prepayment Fee
  • Approval Speed (Hours)
  • Funding Time Range (in days)
    1 - 7
  • Joint Loans Available
  • Payment Options
    • Automatic Payments
    • Check by mail
  • Loan Amount
    $5000 - $300000
  • APR
    3.12% - 19.51%
"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%."
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