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  Wells Fargo Auto Loans

Wells Fargo Auto Loans

in Auto Loan Refinancing from Wells Fargo Bank

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Wells Fargo Auto Loans

Unaffiliated

in Auto Loan Refinancing from Wells Fargo Bank

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Community Rating

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In our efforts to provide the community with the most accurate information, recommendation rating is not determined until a sufficient number of SuperMoney users cast their vote
APR 3.88% - 19.51%
Credit Score Range 650 - 850
Loan Term Up to 72 months
Loan Amount N/A

Wells Fargo Auto Loans Review

Wells Fargo Auto Loans is an auto loan refinance offering by Wells Fargo Bank, based in San Francisco, CA. Founded in 1852, Wells Fargo Bank offers auto refinance loans in state across the USA.

What are the auto loan refinancing rates offered through Wells Fargo Auto Loans?

Wells Fargo Auto Loans offers an auto loan refinancing product that ranges from 3.88% APR up to 19.51% APR.

What is the maximum loan term you can get with Wells Fargo Auto Loans?

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

Does Wells Fargo Auto Loans charge an origination fee on auto refinance loans?

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

Does Wells Fargo Auto Loans charge a late fee?

Yes, auto refinance loans via Wells Fargo Auto Loans are subject to late payment penalty fees.

Does Wells Fargo Auto Loans charge prepayment fees?

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

Permanent resident / green card holders are also eligible to apply.

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 an auto loan refinance with Wells Fargo Auto Loans?

Auto refinance loan applications are typically approved (or denied) within 24 hours and funded within 1 to 7 days of approval.

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: SuperMoney.com 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...

Feature Breakdown

Application Fee $0
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Permanent Resident
Joint Loan Applications Accepted
  • Individual Applications
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Minimum Age 18
Verification Documents Required
  • Proof of Income
  • Recent Pay Stubs
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
APR 3.88% - 19.51%
Loan Term Up to 72

Wells Fargo Auto Loans Community Reviews

 

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