Last Updated: 05/17/2025
SuperMoney User Recommendation Score +76
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
7.49% - 23.74%(Verified 06/21/2024)
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Amount Range
$3,000 - $100,000
Loan Term (Months)
12 - 84
Number of Reviews
Wells Fargo Personal Loan Review
Wells Fargo Personal Loan is offered by Wells Fargo Bank, a bank founded in 1852 and based in San Francisco, CA. Wells Fargo Personal Loans are available in 50 states and Washington, DC.
Key Takeaways
- APRs starting at 7.49%. Rate is quoted with autopay discount*. Personal loan interest rates typically range between 9% and 36%. The starting rates for Wells Fargo Personal Loan are on the lower end of the spectrum.
- Fast access to funds. If approved, Wells Fargo Bank will send the money in as little as 24 hours.
- Large loan amounts. You can apply for loan amounts of up to $100,000 with Wells Fargo Personal Loan .
- No origination fee. Wells Fargo Personal Loan does not charge a loan origination fee.
- Cosigner and coborrower applications accepted. A cosigner or coborrower can help you qualify for better rates and terms when applying for Wells Fargo Personal Loan.
- Super long loan terms. Wells Fargo Personal Loan offers loan terms of up to 84 months. Most personal loans have a maximum term of 60 months.
Wells Fargo Personal Loans Pros & Cons
| Pros | Cons |
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Wells Fargo Personal Loans FAQ
What interest rates and personal loan terms does Wells Fargo Personal Loans offer?
Wells Fargo Personal Loans has lower than average interest rates for lenders reviewed on SuperMoney.
What interest rates does Wells Fargo Personal Loans offer?
Wells Fargo Personal Loans offers a fixed APR personal loan product that ranges from 7.49% APR up to 23.74% APR. Rate is quoted with autopay discount*.
How much can you borrow via Wells Fargo Personal Loans?
Personal loan amounts start at $3,000 and go up to $100,000
What is the maximum loan term you can get with Wells Fargo Personal Loans?
Wells Fargo Personal Loans offers loans with terms of up to 84 months.
| Personal Loan Amount | $3000 - $100000 |
| Loan Term | 12 - 84 months |
| APR | 7.49% - 23.74% Rate is quoted with autopay discount* |
What fees does Wells Fargo Personal Loans charge?
Does Wells Fargo Personal Loans charge an origination fee?
Wells Fargo Personal Loans does not charge a personal loan origination fee.
A personal loan origination fee is what some lenders charge for processing, underwriting, and funding a personal loan. Typically origination fees range from 0.5% to 5% of the personal loan amount. Whenever possible, consider lenders that don’t charge origination fees.
Does Wells Fargo Personal Loans charge a late fee?
Wells Fargo Personal Loans does not disclose whether it charges late payment fees.
Does Wells Fargo Personal Loans charge prepayment fees?
No, Wells Fargo Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | 0% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Wells Fargo Personal Loan?
Applicants with a credit score of at least 600 and up to 840 may be eligible for Wells Fargo Personal Loan. The minimum age to be eligible is 18 or the state minimum, whichever is higher. Wells Fargo Personal Loan does not have or does not disclose a minimum annual income eligibility requirement. Note that borrowers can add a cosigner or a co-borrower to either meet eligibility requirements or qualify for lower interest rates.
U.S. citizens and permanent resident / green card holders with a U.S. tax identification number are eligible to apply for the services offered by Wells Fargo Personal Loan.
To qualify, applicants may need to provide the following documentation:
- Applicants must have an active and valid personal checking account
- Recent pay stubs
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
- Proof of citizenship or residence permit
- U.S. tax identification number
| Minimum Age | 18 |
| Bank Account Required? | Yes |
| Application Types Accepted |
|
| Credit Score | 600 - 840 |
What is the estimated funding time for a personal loan via Wells Fargo Personal Loans?
Wells Fargo Personal Loans will typically fund loans starting at 1 business day of approval and clearing necessary verifications.
Does Wells Fargo Personal Loan report your account activity to credit bureaus?
Yes, Wells Fargo Personal Loan 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 Loans 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.
Are Wells Fargo Personal Loan legit?
Wells Fargo Bank was founded in 1852, it is a well-established company that has been in business for 174 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
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...
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.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.
+76
-1000+100
No one recommends
Everyone recommends
Wells Fargo Personal Loan Community Reviews
Would you recommend Wells Fargo Personal Loan to your friends?
Connie M.
May 17, 2025
May or may not recommend
I’m hoping that Wells Fargo, will give me the opportunity to borrow a loan. I have some bills, I would like to pay quickly, lease on a vehicle i like to finance my payments that end in February 2026, as well save some of the loan for my future.
AM
Athena M.
Jan 20, 2024
May or may not recommend
Wells Fargo Personal Loan's application process is straightforward but has higher interest rates, limited flexibility, and varying customer service. It's less appealing for borrowers without good credit scores. Improved transparency and responsive customer service could improve the experience.
Yetunde A.
Dec 5, 2023
May or may not recommend
Wells Fargo is one of the largest banks in the United States, and it offers a variety of personal loans to meet the needs of its customers. Wells Fargo personal loans are a good option for borrowers with good credit who need a large loan amount. The bank offers competitive interest rates and flexible repayment terms, and it has a strong reputation for customer service.
SF
Subomi F.
Nov 12, 2023
May or may not recommend
Wells Fargo came through when I needed a personal loan. The application was a breeze, and the team was super helpful. They offered competitive rates, and the whole process felt like dealing with a friend rather than a bank. Thumbs up for a smooth financial journey with Wells Fargo!
AB
Aidan B.
Jan 23, 2023
May or may not recommend
The interest rate at Wells Fargo is pretty good, and their customer service is great. The only problem is it is a large bank and you may not be able to get a loan without good credit, other than that I have no complaints.
CO
Chizobam O.
Dec 5, 2022
May or may not recommend
I definitely recommend getting a loan from this bank. Customer service is helpful, they provide good interest rest, with how well known they are getting a loan with bad credit. This is not guaranteed but as I stated there are resources to help you accomplish what you need.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
The personal loans that Wells Fargo's offers are great because they also you to go stress free for a breif period of time, and in time allows you to pay off your loans at a loan interest rate, which really helps you help secure a great financial future!
Nicholas P.
Nov 16, 2022
May or may not recommend
As wells fargo is extremely popular, it can be difficult to get a personal loan if you don't have amazing credit. Customer service is very helpful and banking online is really useful.
LV
Luis V.
Nov 14, 2022
May or may not recommend
The personal loans that Wells Fargo's offers are great because they also you to go stress free for a breif period of time, and in time allows you to pay off your loans at a loan interest rate, which really helps you help secure a great financial future!
EG
Eden G.
Aug 17, 2022
May or may not recommend
I would recommend this if you have a checking account with them. You get a quick response to your loan application and you also get a loyalty discount in terms of interest.
VK
Victoria K.
Jul 21, 2022
May or may not recommend
Wells Fargo is a very reputible company, which makes me believe it is a good choice for a personal loan. No prepayment, late payment, or origination fees is a major plus. The only thing that would worry me is getting a high APR on a high loan could result in high amounts of interest being accrued.
DR
Desmond R.
Jul 7, 2022
May or may not recommend
With speedy customer service any questions you have will be answered quickly and efficiently. They, offer good interest on loans and have a good approval rate.
AS
Alaina S.
Jun 3, 2022
May or may not recommend
This is a very good place to get aoan from. You will often get an answer quickly about whether you're approved for a loan and the customer service is very nice and communicative.
RF
Robelys F.
May 23, 2022
May or may not recommend
In my opinion Wells Fargo loan are the most recommended I actually read the review but I had to give it a try they give you the best experience
JB
Jessica B.
May 17, 2022
May or may not recommend
Well known company that's easy to navigate and great customer service to find what you are looking for
DS
Daniel S.
May 16, 2022
May or may not recommend
I recommend. Sometimes, you can get an answer the same day as to whether your loan was approved or not. However, I do recommend you have an existing relationship with them. Increases your chances of getting a loan if they can see that you have banking history with them.
SJ
Sade J.
May 10, 2022
May or may not recommend
Yes, I would recommend. It is a quick turn a around time and no penalty for pre payment.
Showing 17 of 17 reviews
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