Wells Fargo Auto Refinance
Wells Fargo Auto Refinance
in Auto Loan Refinancing from Wells Fargo Bank

Wells Fargo Auto Refinance

in Auto Loan Refinancing from Wells Fargo Bank
SuperMoney Net Recommendation Score +100  


This product is strongly recommended by SuperMoney users with a score of +100, equating to 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 recommended

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Community Rating Strongly 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 6

Wells Fargo Auto Refinance Review

Wells Fargo Auto Refinance 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 50 states (and Washington, DC).

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

Wells Fargo Auto Refinance offers a fixed APR car 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 Refinance?

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

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

Does Wells Fargo Auto Refinance charge a late fee?

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

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 feees can reduce or even cancel the interest savings of repaying a loan early.

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

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

Wells Fargo Auto Refinance does not have or does not disclose a minimum annual income eligibility requirement. Wells Fargo Auto Refinance 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 Refinance. 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 refinance with Wells Fargo Auto Refinance?

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

Wells Fargo Auto Refinance 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%."
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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
Credit Score Range 650 - 850
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
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of citizenship/residence (Green Card)
  • Recent Pay Stubs
  • Proof of Income
APR (Fixed APR) 3.88% - 19.51%
APR Type Fixed APR
Loan Term Up to 72 months

Wells Fargo Auto Refinance Community Reviews


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This product is strongly recommended by SuperMoney users with a score of +100, equating to 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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