How Do I Apply for a Loan from Wells Fargo?

Wells Fargo offers personal loans ranging from a few thousand dollars to a hundred thousand dollars. You can easily apply for a loan online or by going to a Wells Fargo bank in person. To qualify for a loan, you will need to have a credit score of 621 or better and a debt to income ratio of 50 or less.

Adam Goldkamp is the editor / author responsible for this content.
Dec 9, 2022

There are probably a lot of things you can do with a personal loan, from consolidating your debts to making home improvements. Wells Fargo offers a wide variety of personal loan options ranging from $3,000 to $100,000, with terms ranging from 12 months to 84 months. To learn how to apply for a loan from Wells Fargo, just keep reading.

What Wells Fargo Looks for in a Borrower

You should have a credit score of at least 621. The higher your score, the larger the loan you can apply for and the lower your payments and interest will be. Your debt-to-income ratio is also important. To calculate yours, add up the total debt you owe each month (such as for credit cards, other loans, bills, and so forth) and divide that figure by your monthly income before taxes. Multiply the result by 100. The answer is your debt-to-income ratio. Wells Fargo wants to see a ratio of 50 or less. Thirty-five or less would be better.

Applying for the Loan Online

You can apply for a loan from Wells Fargo online by following these instructions:

  1. Go to the Wells Fargo home page.
  2. Hover the cursor over the Loans and Credit link near the top of the page. A dropdown menu will appear.
  3. Click on the Personal Loans link in the dropdown menu.
  4. Click on the See My Loan Options button.
  5. Click on the button indicating whether you are a Wells Fargo customer.
  6. Click on the Continue button.
  7. Follow the prompts and provide all the information required.

Once Wells Fargo receives your application, a loan officer will process it. The bank will notify you of its decision.

Applying for the Loan in Person

You can also apply for the loan in person. Just go to your nearest Wells Fargo bank and ask to speak to a loan officer.

Contacting Wells Fargo

If you need any help from Wells Fargo, you can reach a customer service representative by phone or through the help forum.

Further questions?

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Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
How Do I Apply for a Loan from Wells Fargo?

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