30-yr fixed 6.43% ▾ 0.06 wk
15-yr fixed 5.79% ▾ 0.04 wk
HELOC avg 7.90% — no change
Auto 60-mo new 6.82% ▴ +0.03 mo
Personal 24-mo 11.57% ▾ 0.12 qtr
Credit card APR 21.52% ▴ +0.09 qtr
as of Jul 2, 2026 · Federal Reserve / Freddie Mac via FRED (St. Louis Fed)
Bank · Independent review

Wells Fargo: an honest look at the rates and the fine print

Wells Fargo is a full-service national bank offering no-fee personal loans, mortgages, and home equity, with rate discounts for existing customers. Its branch network is unmatched, but personal loans are generally limited to existing customers, and its consumer-banking record warrants the usual due diligence.

By Daniel Reeves · Reviewed by M. Okafor, CFP Updated July 2, 2026

Wells Fargo

Personal loans · Bank · NMLS #399801 · Founded 1852

3.8/5
  • Personal loan APR7.49–24.49%
  • Loan amounts$3,000–$100,000
  • Terms12–84 months
  • Origination feeNone
  • Min credit score660 (est.)
  • BranchesAll 50 states

Independent profile. Loans Advisor is not affiliated with, or compensated by, this lender.

Where Wells Fargo fits

Strengths

  • No origination fee
  • Relationship rate discounts
  • Full product range under one roof

Watch-outs

  • Personal loans mostly for existing customers
  • In-branch steps for some products
  • Uneven service reputation

Best for

Based on its rates and products, Wells Fargo is most relevant if you're looking at:

Figures are researched from public rate sheets and regulatory filings and change often — verify current terms with Wells Fargo before applying. Loans Advisor is not affiliated with, or paid by, Wells Fargo, and earns no referral fee from this profile.