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
Claimed
from Wells Fargo Bank
Last Updated: 04/18/2025
SuperMoney User Recommendation Score 0
Mostly recommended7 total votes
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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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Number of Reviews
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 Typically, fees range from 0.5% to 10% of the amount withdrawn.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. Note that borrowers can add a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
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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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.
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Wells Fargo Personal Line of Credit Community Reviews
Would you recommend Wells Fargo Personal Line of Credit to your friends?
TH
Teresa H.
Jul 9, 2021
May or may not recommend
I have had a credit score of no less than 832 for past 6+ years. I have no debt except for one credit card I use regularly. No late payments in over 10+years. I was denied a credit card to use at Micro Center yesterday!! I called the number given to me on their computer and was told they could NOT give me Info on the ...Show More
RR
Robert R.
Mar 22, 2021
May or may not recommend
Absolutely not. Run away, Fast. Wells Fargo has become frighteningly unreliable as a bank. If a Personal Line of Credit is extended, you can count on the fact that one day, out of the blue and without cause, Wells Fargo will revoke your line of credit without notice and without any identifiable basis whatsoever except some vague excuse such as "we are discontinuing our Personal and Portfolio Line ...Show More
AB
Alexandra B.
Nov 5, 2020
May or may not recommend
I had a very positive experience with Wells Fargo's personal line of credit. I took out a line of credit to cover the cost of my mortgage down payment when I was buying my home. Wells Fargo offered a competitive rate and my financial planner helped me navigate my income to quickly pay off the line of credit. I have been banking with Wells Fargo for years now, and trust ...Show More
JI
Jasmine I.
Nov 30, 2019
May or may not recommend
I'm trusting wells Fargo and I am very safe with..I will stay with this Bank the rest
BB
Bruce B.
Sep 17, 2019
May or may not recommend
Application was declined by Hopkins, MN branch in July, 2019 on the basis of several items, none of which were true nor applied to me including untimely payments. With income of six figures plus, a credit score at time of application above 740 (775 at time of review in Sept, 2019), and a history of years with WF... the "form letter" of rejection was insufficient, cold, and unsatisfactory. At ...Show More
Elvena D.
Aug 1, 2019
May or may not recommend
I had Wells Fargo for years. Loved them
U
Anonymous
Mar 15, 2019
May or may not recommend
The terms from this personal line of credit aren't great considering they are coming from a major bank with access to low cost of capital. You can get a personal loan with structured payments at a lower rate. Heck, you can get credit cards which are a lot more convenient at lower APRs.
Showing 7 of 7 reviews