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The loan that makes
debt consolidation
happen

Skip the fees,1 and check your rate and payment options in minutes

Check my loan options

Checking your options will not impact your credit score

Consolidate your debts into one payment each month2

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With a Wells Fargo personal loan, you could pay less in interest and have one predictable, fixed payment each month by combining multiple debts into a single loan with a new fixed rate.

Features that fit your budget

Competitive fixed interest rates and an interest rate discount of 0.25% with auto pay from a qualifying Wells Fargo account3

No hidden fees — no origination fee, no closing fees, and no prepayment penalty

Customizable loans with amounts from $3,000 to $100,000 and terms from 12 to 84 months4

No need to provide collateral like your home or vehicle

  • Competitive fixed interest rates and an interest rate discount of 0.25% with auto pay from a qualifying Wells Fargo account3

  • No hidden fees — no origination fee, no closing fees, and no prepayment penalty

  • Customizable loans with amounts from $3,000 to $100,000 and terms from 12 to 84 months4

  • No need to provide collateral like your home or vehicle

Getting started is as easy as 1, 2, 3

1

Check your rate and loan options in minutes — with no credit impact

2

If you receive loan options, easily apply online for the one that best fits your budget

3

Get funds as early as the same day you sign for your loan5

Check my loan options

1. Late fees may still be assessed.

2. Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple debts means you will have a single payment monthly, but it may not reduce or pay your debt off sooner. The payment reduction may come from a lower interest rate, a longer loan term, or a combination of both. By extending the loan term, you may pay more in interest over the life of the loan. By understanding how consolidating your debt benefits you, you will be in a better position to decide if it is the right option for you. New credit accounts are subject to application, credit qualification, and income verification.

3. To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.

4. Representative example of repayment terms for an unsecured personal loan: For $15,000 borrowed over 36 months at 13.99% Annual Percentage Rate (APR), the monthly payment is $513. This example is an estimate only and assumes all payments are made on time.

5. On average, 97% of customers received their funds the day they signed for their personal loan. (Based on data from October – December 2025).

Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.

LRC-0326