Wells Fargo Personal Line of Credit is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 04/18/2025
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Wells Fargo Personal Line of Credit
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Last Updated: 04/18/2025
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Highlights
Community Rating
Mostly recommended
Amount Range
$3,000 - $100,000
APR (Variable APR)
9.5% - 21%(Verified 06/21/2024)
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Wells Fargo Personal Line of Credit Review
Wells Fargo Personal Line of Credit is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
Wells Fargo Personal Line of Credit is offered through Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo personal line of credit are available in 50 states and Washington, DC.
Wells Fargo Personal Line of Credit FAQ
What APRs does Wells Fargo Personal Line of Credit offer?
Wells Fargo Personal Line of Credit offers a variable APR that ranges from 9.5% APR up to 21% APR.
Does the Wells Fargo Personal Line of Credit charge an origination fee?
No, Wells Fargo Personal Line of Credit does not charge an origination fee.
An origination fee is what some lenders charge for processing, underwriting, and funding a line of credit. These fees can range from 0.5% to 5% of the line of credit amount. Whenever possible, go with lenders that don’t charge origination fees.
Does the Wells Fargo Personal Line of Credit charge a cash advance fee?
No, Wells Fargo Personal Line of Credit doesn't charge a cash advance fee. Some lenders charge a cash advance fee every time borrowers withdraw cash from their line of credit. Typically, fees range from 0.5% to 10% of the amount withdrawn.
Does Wells Fargo Personal Line of Credit charge a late fee?
Yes, Wells Fargo Personal Line of Credit may charge borrowers a late payment fee .How much can you borrow via Wells Fargo Personal Line of Credit?
Upon approval and based on your credit worthiness, your Wells Fargo Personal Line of Credit personal line of credit will be assigned a credit limit of at least $3,000 and as much as $100,000. .
| Cash Advance Fee | N/A |
| Origination Fee | No |
| Prepayment Fee? | No |
| Late Payment Fee | No |
| Statement Balance Fee | No |
| Billing Cycle Charge | No |
What do you need to qualify for Wells Fargo Personal Line of Credit?
Wells Fargo Personal Line of Credit does not require or does not disclose a credit score minimum. Wells Fargo Personal Line of Credit does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Wells Fargo Personal Line of Credit.
To qualify, applicants may need to provide the following documentation:
- Recent pay stubs
- Proof of income
- Proof of identity
- Proof of residence
What is the estimated funding time for a personal line of credit via Wells Fargo Personal Line of Credit?
Wells Fargo Personal Line of Credit will typically fund personal lines of credit within 3 business day s of approval.Does Wells Fargo Personal Line of Credit report your account activity to credit bureaus?
Yes, Wells Fargo Personal Line of Credit reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Wells Fargo Bank perform a hard credit pull?
Yes, Wells Fargo personal line of credit performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Wells Fargo Personal Line of Credit
- Visit the Wells Fargo Personal Line of Credit website.
- Fill in the application form. You will typically need to provide general information such as your name, address, email address, Social Security Number, source of income and employment, and checking account information.
- Check the information is accurate and submit your application.
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