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
Similar options
Upgrade Personal Loans
PersonalAPR
7.74–35.99%
Amount
$1k–$50k
Term
24–84mo
Best for: This service is ideal for those looking to consolidate debt or finance larger purchases without prepayment penalties.
APR
6.25–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: This service is best for individuals with good credit looking to consolidate debt with fixed-rate personal loans ranging from $5,000 to $50,000.
LightStream Personal Loan
PersonalAPR
6.49–24.89%
Amount
$5k–$100k
Term
24–240mo
Best for: This loan is best for borrowers who need larger amounts ($5,000 to $100,000) and prefer long repayment terms of up to 20 years.
PenFed Credit Union Personal Loans
PersonalAPR
6.09–17.99%
Amount
$600–$50k
Term
12–60mo
Best for: These loans are best for individuals looking for amounts between $600 and $50,000 without any origination fees and a straightforward application process.
Citizens Personal Loans
PersonalAPR
7.49–22.44%
Amount
$5k–$50k
Term
36–84mo
Best for: These loans are best for existing Citizens customers looking for reduced rates and individuals seeking amounts between $5,000 and $50,000 without origination fees.
Best Egg Personal Loans
PersonalAPR
6.99–35.99%
Amount
$2k–$50k
Term
36–60mo
Best for: Individuals with a credit score of at least 600 seeking personal loans for debt consolidation or home improvement.