Employment and income information; documentation may be required to verify this information. New customers must visit a branch to apply. NerdWallet recommends comparing loans to find the best rate for you. Click the button below to pre-qualify and receive a personalized rate from lenders that partner with NerdWallet. We collect over 45 data points from each lender, interview company representatives and compare the lender with others that seek the same customer or offer a similar personal loan product.
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We also consider regulatory actions filed by agencies like the Consumer Financial Protection Bureau. NerdWallet does not receive compensation for our star ratings. Read our editorial guidelines. Our Take 4. The scoring formula takes into account factors we consider to be consumer-friendly, including impact to credit score, rates and fees, customer experience and responsible lending practices.
Jump to: Full Review. Wells Fargo Personal Loan. Credit Score. Joint loan option. Offers wide range of loan amounts and repayment terms. Rate discount for autopay. Able to fund loans the same or next business day. Cons No option to pre-qualify. Some features available only to existing customers. Compare to Other Lenders. Get Rate. APR 6. APR 4. Loan Term 3 to 6 years. Loan Term 2 to 7 year s.
Credit Score Compare estimated rates from multiple lenders Compare Rates. Sign up now. Full Review Wells Fargo offers personal loans with plenty of benefits for qualified borrowers.
Wells Fargo is best for borrowers who:. Are existing Wells Fargo customers. Wells Fargo at a glance. No origination or prepayment fees. Loan flexibility. Offers multiple loan types. Allows changes to payment date. Available in all 50 states. No pre-qualify option. Customer experience. Offers mobile app to manage loan. Provides financial education.
Key terms to know about personal loans. Annual percentage rate. Origination fee. Debt-to-income ratio. Soft credit check. Log into their website and ensure your account number and Wells Fargo payment address are correct to prevent any delays or errors with your payment being processed on time. Box Des Moines, IA When mailing a check, write your digit student loan account number on the front of your check and include your payment coupon if available.
We cannot process payment instructions written on a check or payment coupon. To find your digit student loan account number, see the upper right-hand corner of your student loan statement or call us at Payments received by p. Central Time at the payment address above will be effective as of the date of receipt.
If received after p. Central Time they will be effective the following day. Have your digit student loan account number as well as your checking account information available.
You will need your checking account number and routing number, which you can find on the bottom of your checks. Payments received by Midnight Central Time over the phone will be effective as of the date of receipt. Payments received at a Wells Fargo banking location prior to close of business at that location will be effective as of the date of receipt.
Once you have left school and are receiving monthly billing statements, automatic payments might be a helpful way to ensure you never miss a payment. With automatic payments, payments are automatically deducted from your bank account each month and you may qualify for a 0.
This discount reduces the amount of interest you pay over the life of the loan. The automatic payment discount may not change your monthly payment amount depending on the type of loan you receive, but may reduce the number of payments or reduce the amount of your final payment. Contact us at to see if your loan is eligible to receive an interest rate discount.
Your student loan s will appear in Wells Fargo Online banking usually within 2 to 3 business days after the initial disbursement. If you ever encounter a financial hardship and cannot make a payment, contact us at for assistance. If you have questions about student loan repayment, contact us at or visit our student loan repayment FAQs.
Discount eligible during repayment: You may qualify for a 0. This discount does not apply to bill pay or automatic transfers not set up directly with Wells Fargo EFS.
If the automatic payment is canceled at any time after repayment begins, the discount will be lost until automatic payment is reinstated. The 0. Discount helps reduce the amount of interest paid over the life of the loan s. The automatic payment discount may not change your current payment amount depending on the type of loan s you receive, but may reduce the number of payments or reduce the amount of your final payment.
ACH payments and discount will discontinue upon entering forbearance periods. Wells Fargo reserves the right to modify or discontinue interest rate discount program s for future loans or to discontinue loan programs at any time without notice. Banking Accounts and Services.
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