The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/02/2026.
Wells Fargo personal loans have many positives, including high loan amounts, a lack of fees, and low rates. Wells Fargo offers personal loans between $3,000 - $100,000, with APRs ranging from 7.24% - 24.74%. That’s one of the lowest minimum APRs available and a fairly low maximum compared to many competing lenders. Wells Fargo’s unsecured loans have 0% origination fees, too. While there is a $39 late fee (after 10 day grace period) late fee, you get a 10-day grace period after a missed payment to avoid it.
Another advantage of borrowing from Wells Fargo is that they serve people throughout the U.S. They have over 4,900 branches where you can apply in person with a credit specialist. And while Wells Fargo has had a past scandal involving opening fraudulent accounts, that didn’t have anything to do with their personal loans.
Wells Fargo Personal Loan Review Highlights
Wells Fargo personal loan rates: 7.24% - 24.74% APR
Loan amounts: $3,000 - $100,000
Origination fee: 0%
Late fee: $39 late fee (after 10 day grace period), after 10-day grace period
Payoff timelines: 12 - 84 months
Funding timeline: Up to 3 business days for approval and 1 additional business day for delivery of the funds.
Wells Fargo personal loan credit requirements: Reportedly 660 but not officially disclosed.
ID requirements: You must be a U.S. citizen or permanent resident. You can apply using either a Social Security number or Individual Taxpayer Identification Number.
Pre-qualification: You can’t pre-qualify for a Wells Fargo personal loan, but you can estimate your rates with Wells Fargo’s calculator.
Wells Fargo is one of the largest banks in the U.S., and they’re well-known for having a wide range of personal banking products, including credit cards and mortgages. But you shouldn’t discount their personal loans. Wells Fargo offers some worthwhile terms for people with fair credit or better. Below, you can see how WalletHub rates Wells Fargo in our three major categories: Terms, Requirements & Application, and Reviews & Transparency.
Wells Fargo Ratings by Category:
Category
Editor’s Rating
Terms
4.6/5
Requirements & Application
4.3/5
Reviews & Transparency
2.5/5
Overall Score
11.4/15
These scores reflects how close a loan offer is to WalletHub’s definition of a 5-star loan. For more information, please read WalletHub’s full methodology.
Product: Wells Fargo Personal Loans
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15
Dino P @dpalaj75
100% agree @dmitry_bibich
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0
bhaney3 @bhaney3
@kimberlyaskew Agreed. They are horrible
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14
1
robinstl68 @robinstl68
Who on earth would give this company anything better than a one star rating?
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Tea Scar @tscar
@dpalaj75 Criminal. I am considering small claims court.
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6
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Wells Fargo
Jaime @jaimehal
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1 Star Rating
Verified Customer
Terrible management of relationship with clients
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Product: Wells Fargo Credit Cards
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0
0
Wells Fargo
David Hogan @hogan514
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4 Star Rating
Verified Customer
I like my 2% cashback card, but I don't like that they hold my credit when I make large payments.
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Product: Wells Fargo Credit Cards
Comment
0
0
Wells Fargo
lorirolston984 @lorirolston984
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5 Star Rating
My first visit was with John Daniels. My second visit was with Richard Fuller. John is new to the Punta Gorda branch, and he did exceptionally well. He is very good at explaining things to help you understand better. Richard helped me with getting the Active Cash WF card and completed the application with me. Both were very patient with me, and Wells Fargo is lucky to have them on board. Thank you, and stay warm!
Lori Rolston
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Product: Wells Fargo Savings
Comment
0
0
Wells Fargo
ronlenz961 @ronlenz961
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1 Star Rating
My father is 89 years old; he has two checking accounts and a savings account with Wells Fargo. He keeps the majority of his money in his savings account because he feels it is more secure, and if a hacker tried to scam him, flags would come up quicker than with a busy checking account. However, his account was compromised. In a seven-day period, a hacker made ten Zelle transfers out of the savings account, totaling $7,500 in increments ranging from $477 to $2,850. I spotted the activity on the seventh day and had the account locked. Despite this, Wells Fargo never flagged the account or locked it for him. Now, Wells Fargo has denied the fraud claim because they can’t identify any indicators of fraudulent activity.
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Product: Wells Fargo Savings
Comment
0
0
Wells Fargo
Mickeycountrygirl1695 @Mickeycountrygirl1695
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1 Star Rating
I have banked with this local Wells Fargo for years, but I am forced to leave because the corporate culture has become morally bankrupt. Recently, I filed a dispute regarding a transaction with a vendor proven to be operating illegally. While the local branch staff may be polite, the Corporate Executive Office admitted the merchant was illegitimate but refused to resolve it, hiding behind a 119-day procedural technicality.
It is a shame that this branch represents a company that prioritizes calendar rules over protecting its long-term customers from scam artists. I am moving my accounts elsewhere because I no longer feel my money is safe with this institution.
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Product: Wells Fargo Credit Cards
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1
0
Wells Fargo
Abdul Karim @AbdulProduction
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5 Star Rating
The Wells Fargo Rewards card is my oldest credit card, originally opened all the way back in 1995 and later product-changed to this card in 2008, which makes it incredibly special to me. I like this card very much because it holds significant value to my heart; it was my very first credit card account, and that alone makes it irreplaceable. I've been a Wells Fargo customer for about 30 years, and even though this card is no longer available, it's still a great card and a reminder of where my credit journey began. No matter how many newer cards I have, this one will always mean something to me.
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Product: Wells Fargo Credit Cards
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0
0
Wells Fargo
Janet Goldsbury @Janetgoldsbury
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1 Star Rating
Horrible customer service. Can't get past the automated AI phone service. Have called about 10 times trying to get someone to redeem the cash rewards; keep getting put on hold with no indication that I will ever be served; no wait music, no encouraging "hang in there." When I tell them (AI robot) I want reward redemption, they transfer me to nowhere. Totally frustrating. The CEO makes plenty; try hiring some employees. Will clear the account and cancel as soon as possible.
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Product: Wells Fargo Credit Cards
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1
0
Wells Fargo
Abdul Karim @AbdulProduction
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5 Star Rating
The Wells Fargo Cash Wise card has been one of my favorites since I opened it back in 2016, and I've been a Wells Fargo customer for over 30 years. The flat 1.5% cash back is solid and reliable, and even though this card is no longer available and there are newer options like the Wells Fargo Active Cash with better rewards, the Cash Wise still holds a special place for me. I currently have about 10 cards opened with Wells Fargo, and this card really reminds me of the good old Chase Freedom Unlimited simple, dependable, and great for everyday spending. Overall, Wells Fargo is one of my favorite banks, and this card reflects why I've stayed loyal for so many years.
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Product: Wells Fargo Credit Cards
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0
0
Wells Fargo
Abdul Karim @AbdulProduction
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5 Star Rating
The Wells Fargo Active Cash Card has been my favorite credit card since I opened it in 2021, and as a Wells Fargo customer for over 30 years, I've been very satisfied with it. The unlimited 2% cash back on every purchase is simple and reliable, with no rotating categories or caps to worry about, making it perfect for everyday spending. There's no annual fee, rewards are easy to redeem, and everything is well integrated into the Wells Fargo app. This card is an excellent option for beginners because it's straightforward and helps build good credit habits, while still being valuable long term. I would definitely recommend this card to anyone looking for a strong, hassle-free cash back card.
I've had an awful experience with Bilt support. For days I've been stuck in the same loop: every agent tells me they need to "escalate" my request and that I'll receive an email update — but the email never comes. I've spoken to multiple agents, waited hours, and nothing gets resolved. All I'm trying to do is cancel/close the new Bilt Mastercard 2.0 (the approved Blue account) because it no longer works the way it did for my main use case (rent). The lack of follow-through, delays, and constant handoffs are unacceptable. Also, if this is how your support handles something as simple as closing an account, I can only imagine what the Bilt 2.0 experience will be like — and I want no part of it. I would not recommend this to anyone who values responsive customer service.
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Product: Wells Fargo Credit Cards
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1
0
Wells Fargo
Timmothy @timandjill2316
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5 Star Rating
Verified Customer
This is a really good card if you can get it. It offers a higher credit amount than other starter cards like Capital One and Discover, and provides 21 months of no interest on transfers and purchases. So, if you have high-interest cards that you want to pay down within 21 months, it's one of the best options.
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Product: Wells Fargo Credit Cards
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0
0
Wells Fargo
Bryan Rodriguez @chumelero_1998
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1 Star Rating
This is the worst bank. I've been depositing up to $450,000 a year for two years, and they still haven't approved me for a simple credit card. This has disappointed me, so I will proceed to close my account and I will not recommend them.
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Product: Wells Fargo Credit Cards
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1
0
Wells Fargo
Levi Morris @levi_morris
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1 Star Rating
Horrible. Do not get a card with this "institution." I would give zero stars if I could.
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Product: Wells Fargo Credit Cards
Comment
1
0
Wells Fargo
Al At @troonicsaa
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1 Star Rating
This Wells Fargo bank is the worst and most dishonest. I've had problems with them many times. They manipulate money however they want, holding it for two weeks without any reason; they can't explain why they're holding the money.
This bank is very disappointing, and the customer service is lacking. It's very difficult to get through to them, and they don't help with anything. After 15 years with them, I'm leaving them.
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Product: Wells Fargo Checking
Comment
1
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Review Wells Fargo
WalletHub Awards
Wells Fargo has won the following WalletHub Awards:
Get answers to your questions about Wells Fargo below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. Ad Disclosure
To talk to Wells Fargo customer service, call 1-800-869-3557 and then enter your account or card number and press #. This process will get you in contact with a live Wells Fargo representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Wells Fargo Customer Service by Phone
Call the Wells Fargo customer service department at 1-800-869-3557.
Enter your account or card number.
Press #.
Speak to the live representative.
If you can't or don't want to talk to Wells Fargo customer service over the phone, there are a few alternatives.
Depending on the type of financial product you are calling about, there may also be a more specific number for you to call than the general Wells Fargo customer service phone number. Below, you can find more details about the best number to call for various products.
While calling these individual numbers could shorten the amount of time it takes to get your issue solved, you should ultimately be able to get help with inquiries about any product through the main Wells Fargo customer service number.
To log in to your Wells Fargo credit card account, go to the login page on the Wells Fargo website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Enroll” in order to set up a username and password.
The CD rate at Wells Fargo is 0.01%. There is also a 0.02% bonus rate. These are regardless of term or balance amount. To receive the bonus rate you must maintain a linked Wells Fargo Prime Checking or Portfolio checking account. The minimum opening deposit for a certificate of deposit at Wells Fargo is $2,500.
Wells Fargo offers a wide network of ATMs and banking branches across 36 states and Washington, D.C. To find a Wells Fargo location near you, you can use their online locator tool where you can enter an address, landmark, ZIP code, or city and state to find the nearest bank branch or ATM. The locator also allows you to filter your search for specific services such as bank-only locations, drive-up services, safe deposit boxes, notary services, and more.
Yes, Wells Fargo does charge a balance transfer fee on some of its credit cards. The Wells Fargo balance transfer fee can be as high as 3% intro for 120 days, then up to 5% (min $5) or as low as 3% (min $5), depending on which Wells Fargo card you use when you complete a balance transfer.
Balance Transfer Fees on Popular Wells Fargo Credit Cards
Wells Fargo could be a good bank if you're looking for a prominent and well-established bank with a wide range of products. They offer multiple checking and savings accounts, catering to the needs of different customers.
However, you might consider other options if you prioritize checking accounts with lower fees or savings accounts with higher interest rates. Also, Wells Fargo has been sued by the Consumer Financial Protection Bureau (CFPB) for illegally charging overdraft fees, unlawfully froze consumer accounts, mispresented fee waivers,...
You can make a Wells Fargo credit card payment online, by phone, through the Wells Fargo mobile app, by mail or at a branch. To pay a Wells Fargo credit card bill online, log in to your online account and click on “Pay Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Wells Fargo does allow cardholders to set up automatic payments, too.
The Wells Fargo overdraft fee is $35 per transaction that overdraws your account, if you have a Wells Fargo checking account that allows overdrafts. The overdraft fee will be waived if your account balance is brought to $0 or above by midnight Eastern Time the business day following the overdraft. Some Wells Fargo accounts will not charge an overdraft fee but only because transactions that would overdraw your account will be declined.
To dispute a Wells Fargo charge, log in to your Wells Fargo account and search for the transaction to dispute, or call Wells Fargo customer service at 1 (800) 390-0533. Alternatively, the address to dispute a charge by mail is:
Wells Fargo Card Services PO Box 51193 Los Angeles, CA 90051-5493
Wells Fargo disputes are typically resolved within 10 business days, though more complex issues may take a little longer.
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