Wells Fargo Personal Loans
Wells Fargo offers personal loans ranging from $3,000 to $100,000 with no origination fees and a relationship discount for existing customers.
Last checked on September 19, 2026. We may earn a commission when you click through.
Wells Fargo Personal Loans
Updated 26 days agoAPR Range
6.74–24.49%
Amount
$3k–$100k
Term
12–84 months
Type
Personal
You'll be redirected to wellsfargo.com
Our Verdict
Wells Fargo provides competitive loan amounts and fast funding, making it existing customers. However, the minimum credit score requirement of 660 may exclude many potential borrowers.
Best For
Existing Wells Fargo customers with a credit score of 660 or higher who need flexible loan amounts.
Watch Out
Requires an existing Wells Fargo checking account and a minimum credit score of 660, which could limit access for some applicants.
Pros
- No origination fees
- Same-day funding available
- Flexible loan amounts and terms
- Relationship discount for existing customers
Cons
- Minimum credit score of 660 required
- Requires existing Wells Fargo checking account
- Potentially higher APR for lower credit ratings
- Approval process can be strict
Full Review
Wells Fargo's personal loans range from $3,000 to $100,000, with terms between 12 to 84 months and APRs starting at 6.74%. This makes them a flexible option for those seeking significant funds quickly. The company emphasizes fast funding, often available on the same day, which is a notable advantage for urgent financial needs.
While the absence of origination fees is appealing, the requirement for an existing checking account can be a barrier for new customers. the 660 minimum credit score might disqualify individuals with lower credit ratings, making it less accessible for some. so it's wise to read reviews before proceeding.
Overall, if you qualify, Wells Fargo's offerings can be advantageous, especially for those with existing relationships with the bank.
Who Is This For?
Individuals with a credit score of 660 or higher, especially those already banking with Wells Fargo.
What Borrowers Say
Borrowers generally appreciate the quick funding but caution that approval can be rigorous, particularly for those without an existing account.
Summary
Wells Fargo offers personal loans from $3,000 to $100,000 with no origination fees, a minimum APR of 6.74%, and terms ranging from 12 to 84 months.
About This Loan
Requirements
- US citizen or permanent resident
- Age 18+
- Valid SSN
- Existing Wells Fargo checking account required
- Minimum credit score 660
- Verifiable income
- Good credit history
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