Wells Fargo Personal Loan

Wells Fargo publishes one of the lower ceilings on this list and has the strictest door. It lends personal loans only to existing Wells Fargo customers, and you must have been a customer for at least 12 months to apply. If you qualify, the bank states APRs from 6.74% to 26.74% as of July 10, 2026, loan amounts from $3,000 to $100,000 and terms from 12 to 84 months, with no origination fee, no closing fee and no prepayment penalty. The discount fine print matters. The 6.74% rate is quoted for a loan of at least $10,000 on a 3-year term and includes a 0.25% relationship discount, which requires a qualifying Wells Fargo consumer checking account and automatic payments from a Wells Fargo deposit account. Cancel the automatic payments and the rate and payment may increase. Only one relationship discount applies per application. Wells Fargo's own example: $17,000 borrowed over 48 months at a 13.99% APR is a $464 monthly payment. Most customers receive their funds the same day they are approved. Checking your options does not affect your credit score, though a full application triggers a hard pull. The page does not say whether joint applications are allowed, does not give a minimum credit score, and notes that late fees may still be assessed. If you are not already a Wells Fargo customer, this loan is closed to you and the rest of the list is where to look.