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Wells Fargo personal loans: APR, fees and requirements
What Wells Fargo publishes about its personal loans (6.74% to 26.74% APR), checked on the lender’s own pages, and how its starting rate compares with the other lenders on our list.
Lender type
Bank
APR range
6.74% to 26.74%
Loan amounts
$3,000 to $100,000
Repayment terms
12 to 84 months
Minimum credit score
Not published
Funding time
As soon as the same day you sign (Apr-Jun 2026: on average 97% of customers received funds the day they signed)
Membership
Existing Wells Fargo customers only: 'To be eligible to apply, you need to be a Wells Fargo customer for at least 12 months'
Availability
'We only offer personal loans to existing Wells Fargo customers.'
How the lender states its rates: “Rates range from 6.74% to 26.74% APR. ... Rates shown include a relationship discount of 0.25%. ... The rates shown are as of 07/10/2026 and subject to change without notice.”
How the starting rate compares
The lowest advertised APR, 6.74%, ranks 7 of 33 among the lenders on our list (1 is the lowest). The Federal Reserve's average for a 24-month personal loan at commercial banks was 11.90% (August 2026). Only borrowers with strong credit get a lender's lowest rate.
Every article is checked against primary sources: the Consumer Financial Protection
Bureau, the Federal Reserve and issuer terms. When a number changes, we update the piece
and say when.
How we make money
Some pages contain partner links that may earn us a commission. This never changes what we publish and costs you nothing. No lender pays for placement or for a
better review, and nobody outside our editorial team sees a piece before it runs.
What we are not
Hub for Credit publishes independent information about credit cards, loans, and consumer finance. We are not a bank, a lender, or a card issuer, we do not extend credit, and we do not broker applications. Nothing here is personalized financial advice.