The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 10/03/2025.
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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Dino P @dpalaj75
100% agree @dmitry_bibich
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bhaney3 @bhaney3
@kimberlyaskew Agreed. They are horrible
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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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Wells Fargo
Fatbasturd6969 @Fatbasturd6969
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1 Star Rating
I didn't even want to give them one star because ever since I opened my account, I've had nothing but issues with them. Their customer support is horrendous; they won't even bother to help you or understand your situation as if they have never experienced any issues in their lives. They don't have purchase insurance for any third-party app, as I was just told over the phone. Someone created a Cash App account in my name, used my bank information, and took $350 out of my account. They told me there's nothing they'll do, and I won't see the money again. Especially since in the app, the person had claimed it wasn't suspicious activity, the app itself won't even help me.
Never use Wells Fargo unless you're opening an account to get the free $325 or $350 they offer new account holders. I would strongly recommend opening it, getting that money from them, then closing the account and moving to another bank like Chase, which charges you for an account but is a million times better, or a credit union, which doesn’t even charge you to have an account.
Please heed my advice; I didn't listen to my family or friends, but they are the worst bank to bank with—I guarantee it. Three claims within a year and they'll close your account anyway. I had to file three claims because one was for $250 and two were for $50 for the Cash App transactions. So instead of wanting to help their customers, they'd rather just close your account, claim it's a risk to them, and make sure you never see your money again.
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Product: Wells Fargo Checking
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Wells Fargo
Adam Johnson @AdamalJ
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1 Star Rating
There are allegedly some nice rewards available with this card, but they make it dangerously difficult and virtually impossible to make payments at all, let alone pay on time, by not allowing auto-pay and having terrible customer service. This service wastes your time by transferring and putting you on hold, only to discover that you've been transferred to the wrong department, and then transferred again back to the department that allegedly couldn't help you in the first place. Then the poor representative has incorrect information regarding bank accounts for which the account verification failed due to micro transfers that were supposed to occur but also failed MONTHS AGO. They allegedly delete that bank account as a payment source, only to have it still showing up months later when trying to pay your bill. Talk about an INFURIATING NIGHTMARE that should not even be possible when dealing with a bank as large and wealthy as Wells Fargo. This review doesn't even begin to include all the issues I've had to deal with since I got this card. Today, I spent 47 minutes on a call that accomplished nothing but setting up an in-person appointment for me to spend more of my time and now also my gas money to go to a Wells Fargo bank. I desperately hope that appointment is successful. I plan never to use this card again and am looking for other places to leave a negative review.
We had our mortgage with Wells Fargo for 13 years out of a 30-year loan and never encountered an issue during that time. However, we've experienced a problem now that they've sold our loan to 'Mr. Cooper'. There was no warning or explanation, though they assured us it was not due to any fault of our own. They informed us that Mr. Cooper is a reputable and well-known lender. This was the first I had ever heard of them, and upon researching, the reviews are not favorable. I was hoping to refinance our second home with Wells Fargo due to a previously excellent experience, but not anymore. I am highly disappointed, despite past practices of mortgage lenders selling off loans.
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Product: Wells Fargo Mortgages
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Wells Fargo
chaosaz79 @chaosaz79
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1 Star Rating
I recently wanted to pick a picture for my new debit card. Wells Fargo denied my picture. It was an AI-generated image of a cross. Their guidelines state no religious images. However, they have a pride section. Their guidelines also specify nothing political. So why is a pride section allowed, but I can't have a picture of a cross? I find it totally unacceptable.
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Product: Wells Fargo Checking
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Wells Fargo
mo_stokes11 @mo_stokes11
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1 Star Rating
Your money isn't safe! I had my account hacked, and someone moved all my savings into my checking account. Then, I received a call from a Wells Fargo impersonator who read off all of my information, including the details of my address change, and texted me from the same number Wells Fargo uses for security verifications. Subsequently, my account was completely emptied. It has taken Wells Fargo four months to tell me they can't do anything about it and are reversing the credit they gave me within ten business days. Your money isn't safe here; they admitted they know it was hacked but can't do anything about it even after admitting fault. Do not use Wells Fargo.
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Product: Wells Fargo Checking
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Wells Fargo
Sarah Davis @justsayruh
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1 Star Rating
Verified Customer
Avoid Wells Fargo if you value modern banking standards and customer support!
Avoid Wells Fargo at all costs!
Despite living in 2025, Wells Fargo continues to operate with policies that feel decades behind the rest of the financial industry. I was recently locked out of my online mortgage account due to a password mismatch—caused by Google Password Manager autofilling an outdated credential. A simple mistake, easily resolved with most institutions. But not here.
After attempting a password reset, I was informed my account had been suspended and that I needed to call their toll-free support line. While inconvenient, I understand the importance of account security and complied. Unfortunately, once connected, I was told my account could not be reinstated unless I either:
• Drove 95 miles to the nearest branch to present my ID in person. OR • Mailed a certified copy of my driver's license and a signed letter requesting reinstatement.
This is not only inefficient—it's unacceptable. I have two-factor authentication enabled, three security questions on file, and could easily verify my identity by confirming loan details and the last four digits of my SSN. Yet none of these options were considered sufficient.
To put this in perspective: within the past two weeks, I have successfully completed a legal name change with the following institutions—entirely electronically and without ever stepping foot in a branch or mailing physical documents:
• American Express (notable for their rigorous security protocols) • CapitalOne • Chase • United Healthcare • Optum Health • Venmo • PayPal • CashApp • T. Rowe Price • Empower • Fidelity Investments
Wells Fargo stands alone in its refusal to adopt secure, modern identity verification practices.
This experience is not isolated. Their management of escrow accounts has consistently resulted in year-over-year shortages, requiring me to manually contribute additional funds monthly to avoid a surprise $1,400 bill in December. No other lender I’ve worked with has required this level of micromanagement.
If I have the opportunity to refinance or purchase a new home in the future, I will gladly accept a higher interest rate to avoid using Wells Fargo. The inefficiencies, outdated policies, and lack of customer-centric solutions make even basic banking tasks unnecessarily difficult.
If you have a choice—and most of us do—choose a bank that respects your time, identity, and modern security standards.
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Product: Wells Fargo Mortgages
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Wells Fargo
teeveemon @teeveemon
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1 Star Rating
Banking has been terrible; I've been banking for almost 20 years and never received any rewards. I incurred $280 in overdraft fees, with multiple charges on the same day recently. They wouldn't offer any courtesy credits even though I've been a customer with an account in good standing for many years. Despite having my money in their bank by saving and recently using it to purchase a home, as well as having good credit, I was declined credit every time I applied—of course, I used another lender. I also bank with a credit union and got approved for a credit card within four months of banking there. I canceled my account due to the daily overdraft fees and not building a positive history in 20 years. It has done nothing for me.
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Product: Wells Fargo Checking
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Wells Fargo
Ida Sneed @Idafaye1974
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1 Star Rating
Worst bank ever. You get hacked with fraud and instead of helping their customer, they close your accounts and discontinue service with you entirely. So now it's the customer's fault if they get hacked or identity theft happens. I wouldn't recommend this bank if they were the last bank on Earth.
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Product: Wells Fargo Checking
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Wells Fargo
Barry Watters @bd513468
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1 Star Rating
My sister has been trying to get a check from my late mother's IRA cashed since May. She is the executor, and has all the paperwork, but since the check does not have her name in it, but the estate of my mother, they refuse to let her deposit it. She has been dealing with this for over 4 months, and these idiots keep asking for more paperwork that doesn't exist. Do NOT use this bank for ANYTHING, even asking for change. They do not want your business, and will make it as hard as possible to get anything accomplished. Pathetic!!!
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Product: Wells Fargo Business Services
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Wells Fargo
Oleksandr Kozlovskyi @alexi78
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5 Star Rating
I recommend Shamima Luna who works at 7502 Evergreen Way, Everett, WA. She is the best specialist I have ever had to deal with. She explains things competently and understandably and completes her work very quickly. Everything went super!
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Product: Wells Fargo Credit Cards
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Wells Fargo
Al Ch @aic5005
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1 Star Rating
This card is horrible; don't bank with Wells Fargo. They do not care about their customers and will send you SuperChecks along with legitimate checks for balance transfers that you might discard, thinking it is spam mail. However, someone in another country might use it for a balance transfer and Wells Fargo will allow it to go through.
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Product: Wells Fargo Credit Cards
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Wells Fargo
Sonja Holton @sonjaholton1
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1 Star Rating
Wells Fargo restricted my credit card. The reason they gave me was that I checked my mobile app too much. All transactions were legitimate. Now they want me to fill out paperwork, do legwork, and send the paperwork back to them. What is the point of having a WF credit card if you can't use it or have the freedom to look at your mobile app? I have never had such issues with a credit card ever. So beware. I will definitely close the card out.
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Product: Wells Fargo Credit Cards
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Wells Fargo
duanelyons21 @duanelyons21
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5 Star Rating
Well Fargo has worked out well for me. I do personal and business banking there, and they have done a good job. I have used them for over 30 years.
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Product: Wells Fargo Business Services
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Wells Fargo
kimberlyharris525 @kimberlyharris525
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1 Star Rating
If I could give Wells Fargo zero stars, I would. This has been the most frustrating and disappointing experience I've ever had with a financial institution.
On August 8, 2025, a wire transfer was sent to Wells Fargo. My primary bank has confirmed—multiple times—that the transfer was successfully completed. Yet Wells Fargo claims they never received it. For over two weeks, I've spoken to countless representatives, each promising updates or return calls. Not one has followed through.
After filing complaints with the Better Business Bureau (BBB) and the Consumer Financial Protection Bureau (CFPB), my case was finally escalated. I was assigned a representative who assured me he understood the urgency and would contact me with an update on August 29. He even gave me his direct number. But once again, there was no follow-up. I called the number—no voicemail, no way to leave a message. Just another dead end.
This company has shown zero accountability, no empathy, and no urgency. It's clear they do not value their clients. I would never recommend Wells Fargo to anyone. If you're considering banking with them, do your research and save yourself the headache. We didn't—and now we're paying the price.
At this point, I'm likely going to need legal counsel to resolve this. It's unacceptable that a major financial institution can mishandle a wire transfer and then leave their customer in the dark. I'm disgusted, exhausted, and deeply disappointed.
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Product: Wells Fargo Savings
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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. In addition, WalletHub independently collected information for some of the cards on this page. 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.
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.
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.
Yes, Wells Fargo has 2%+ cash back credit cards. The best option is the Wells Fargo Active Cash® Card, which gives 2% cash rewards on purchases and has an initial bonus of $200 cash rewards after spending $500 on purchases in the first 3 months.
Wells Fargo, like many other major banks, is closing branches primarily due to the increasing shift towards digital banking. Here's a breakdown of the main reasons:
Digital Adoption: More and more customers are conducting their banking transactions online or through mobile apps. This reduced reliance on physical branches has made them less necessary.
Cost Reduction: Maintaining physical branches is expensive. By closing underutilized branches, banks can reduce operational costs.
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by WalletHub: Wells Fargo Signify Business Cash® Card and Wells Fargo Attune® Card.
