Wells Fargo Personal Loans
Personal loans from $3,000 to $100,000 with no origination fees. Relationship discount for existing customers. Same-day funding available.
Last checked on May 16, 2026. We may earn a commission when you click through.
Wells Fargo offers personal loans with flexible amounts and competitive rates, ideal for existing customers.
Wells Fargo Personal Loans
Updated 17 hours ago| APR | Amount | Term |
|---|---|---|
| 6.74–24.49% | $3,000–$100,000 | 12–84 mo |
Requirements
—Decision
—Our Verdict
Wells Fargo offers personal loans with flexible amounts and competitive rates, ideal for existing customers.
Best For
This loan is best for those who already have a relationship with Wells Fargo, as they can benefit from rate discounts.
Watch Out
Borrowers should be aware that the APR can reach up to 24.49%, making it expensive for those with lower credit scores.
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About this loan
Personal loans from $3,000 to $100,000 with no origination fees. Relationship discount for existing customers. Same-day funding available.
What Customers Say
Borrowers appreciate the quick funding and customer service, but some express concerns about high interest rates for lower credit scores.
Expert Analysis
Wells Fargo provides personal loans ranging from $3,000 to $100,000 with terms between 12 to 84 months. The starting APR is 6.74%, but this can rise significantly for applicants with lower credit scores. Existing customers may receive a relationship discount, enhancing their borrowing potential.
Approval can be quick, with options for same-day funding available, which is beneficial if you need cash urgently. However, the minimum credit score requirement stands at 660, which may limit access for some prospective borrowers.
While the absence of origination fees is a positive aspect, borrowers should consider the overall cost of borrowing due to the potential high APR. In comparison, other lenders like SoFi or LightStream may offer lower rates for qualified borrowers, making them worth exploring. For first-time borrowers without an existing relationship, this option might not be the most cost-effective.
Overall, Wells Fargo’s personal loans can be a solid choice for existing customers who need flexible financing options, but those with lower credit scores should explore other alternatives to avoid high-interest rates.
Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.
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