Loans (US)
How to apply for the Wells Fargo Personal Loan?
If you need fast cash to help you financially, Wells Fargo has a fantastic Personal Loan option that can help you. Check how you can easily apply for it!
Wells Fargo Personal Loan: Get the best rates in the market!
You can easily apply for the Wells Fargo Personal Loan if you need to make home improvements, pay off debt, medical bills, and other expenses.
Also, this lender does not charge origination fees or early payoff penalties. However, your credit score probably has to be good for you to get loan approvalr. So, if you want to know how to apply for a loan, keep reading our post!
Apply online
You can use the platform on this lender’s website to check your rate and see if you pre-qualify to get a loan. However, to officially apply for a loan with this lender, you must go to a physical branch if you are a new customer.
But if you already are a Wells Fargo customer, you can apply online to get a loan with this lender. So, all you have to do is go to their website and click on Apply Now. After that, you can provide the required information and wait for a response.
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Apply using the app
You can use the Wells Fargo mobile app to manage your account once you already are a client. However, if you are a new customer, you need to go to a physical branch to complete your loan application.
Wells Fargo vs. Upgrade Personal loan
If this lender is still not what you are looking for, we can help you with another lender option. So, Upgrade is a lender that offers personal loans to those who have a credit score of at least 580 points and need a loan to make major purchases. Therefore, here is our comparison between Wells Fargo and the Upgrade Personal Loans.
Comparison Table
| Wells Fargo | Upgrade | |
| APR | The APR fee charged by this lender ranges from 5.74% to 19.99%. | 7.96% – 35.97%. based on creditworthiness. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. |
| LOAN PURPOSE* | Debt consolidation, auto repairs, medical bills, vacation, home upgrades. | These loans can be used to consolidate debt, make home upgrades, or any other major purchase. *Terms apply |
| LOAN AMOUNTS | As a borrower, you can make loans with amounts ranging from $3,000 to $100,000. | The loan amounts offered by this lender range from $1,000 to $50,000. |
| CREDIT NEEDED | There is no information available about the credit score needed to apply for a loan with this lender. | A minimum credit score of 560 points is required to qualify for a loan with this lender., and a minimum household income of $25,000 |
| TERMS | The loan terms can range from one to seven years (depending on the amount of the loan.) | From the date of the loan, you can have 24 to 84 months to repay the amount. |
| ORIGINATION FEE | This lender does not charge origination fees. | Between 1.85% – 8.99%, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. |
| LATE FEE | There is not much information available about the fees for late loan payments. | Late fees from this lender might be as high as $10 for each delayed payment. |
| EARLY PAYOFF PENALTY | There are no early payoff penalties charged by this lender. | This lender does not impose prepayment penalties. |
How to apply for the Upgrade Personal Loan?
Are you looking for a personal loan to make a large purchase or pay off debt? The Upgrade Personal Loan can help you. Read more to know how to apply!
About the author / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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