Wells Fargo debt consolidation loan, reviewed
Wells Fargo charges no origination fee but takes applications only from people who have banked there for 12 months. Its rates, loan sizes and who it suits.
$357 to $512 a month with Wells Fargo on $15,000 over four years
$489 a month to clear the same $15,000 on 24% cards in four years
| APR range | 6.74% to 26.74% |
|---|---|
| Loan sizes | $3,000 to $100,000 |
| Fee | No origination fee |
| Bank average, 24-month loans | 11.9% |
A Wells Fargo debt consolidation loan runs 6.74% to 26.74% APR (Wells Fargo). It only helps if your rate beats the rate on your cards. Wells Fargo also lends only to people who have banked there for at least 12 months.
The first thing to do is call a specialist. They set your Wells Fargo offer next to the rate on each card and show you which choice lowers your payment.
Rates and loan sizes
Wells Fargo lends $3,000 to $100,000 over 12 to 84 months, at 6.74% to 26.74% APR (Wells Fargo). The lowest rate includes a 0.25% relationship discount. That discount applies to $10,000 or more over 3 years.
At least 10% of approved applicants got that lowest rate from April to June 2026. Wells Fargo does not say exactly how many paid more.
Wells Fargo’s own example is $17,000 over 48 months at 13.99%, which costs $464 a month. On $15,000 over four years, the APR range means a payment of $357 to $512 a month. At the 11.9% bank average, it is $394 (Federal Reserve G.19).
So the rate you get decides most of your payment. Call before you sign, and the specialist checks your exact rate against your cards.
Credit score needed
Wells Fargo only takes applications from people who have been customers for at least 12 months (Wells Fargo). Meeting that rule does not mean approval or a set rate.
We have not confirmed a minimum score. Call and the specialist compares the loans and plans that fit your credit.
Fees
Wells Fargo lists no origination charge and no penalty for paying early. You will pay a late fee if a payment is late.
To get the relationship discount, you must set up autopay from a Wells Fargo checking account.
How fast you get the money
Wells Fargo says 97% of customers had funds on the day they signed, based on April to June 2026 (Wells Fargo). The funds go into your Wells Fargo account.
Then you pay off each card yourself, so the card payoffs are your job. Call and the specialist lists each card balance with you before you sign, so you know what to pay.
Who the Wells Fargo debt consolidation loan fits
Current customers of the bank can borrow any amount from $3,000 to $100,000. The 12-month customer rule is confirmed.
We have not confirmed that a score in the mid-600s gets approved. Call and the specialist checks whether this offer beats your cards or another plan.
Other choices
Each lender listed is priced at the same $15,000 over 48 months. That way you can compare monthly payments side by side.
Call and the specialist runs the same comparison with your real card balances.Compare Wells Fargo with
Lender APR Loan sizes Fee 
PenFed6.39% to 17.99% Up to $50,000 No origination fee 
LightStream9.99% to 23.94% with autopay $5,000 to $100,000 No origination fee 
Discover6.99% to 24.99% $2,500 to $40,000 No origination fee 
SoFi6.99% to 35.49% $5,000 to $100,000 Optional fee of 0% to 7% 
LendingClub5.96% to 35.99% $1,000 to $75,000 Origination fee of 0% to 8% 
Reach Financial5.99% to 35.99% $3,500 to $40,000 Origination fee of 0% to 8% 
Achieve6.25% to 35.99% $5,000 to $50,000 Origination fee of 1.99% to 9.99% 
Upstart6.3% to 35.99% $1,000 to $75,000 Origination fee, 8.15% in Upstart’s own example loan 
Best Egg6.99% to 35.99% $2,000 to $50,000 Origination fee up to 9.99% 
Upgrade7.74% to 35.99% $1,000 to $50,000 Origination fee of 1.85% to 9.99% 
Happy Money8.95% to 35.99% $5,000 to $50,000 Origination fee set by amount, term and credit 
Prosper8.99% to 35.99% $2,000 to $50,000 Origination fee of 1% to 9.99% 
Avant9.95% to 35.99% $2,000 to $35,000 Administration fee up to 9.99% 
Universal Credit11.69% to 35.99% $1,000 to $50,000 Origination fee of 5.25% to 9.99% 
OneMain Financial11.99% to 35.99% $1,500 to $30,000 Flat $25 to $500, or 1% to 10%, by state
Related topics
About this lender
Is Wells Fargo good for debt consolidation loans?
Yes, for current customers with decent credit. There is no origination fee, and 97% of customers got funds on the day they signed. The top rate is 26.74%, and you need 12 months as a customer before you apply.
Does Wells Fargo have a debt relief program?
No. Wells Fargo is a lender that offers a personal loan you can use to pay off cards. Debt relief and settlement programs come from other kinds of companies.
How much will Wells Fargo lend on a personal loan?
You can borrow $3,000 to $100,000 over 12 to 84 months. The amount depends on your credit and income.
How much is the monthly payment on a $25,000 personal loan?
It is about $683 a month over four years at Wells Fargo’s example rate of 13.99%. At the 11.9% bank average, it is about $657.
Compare your offer with your cards
You hold a Wells Fargo offer and a list of card balances, each with its own rate. Offers reach 26.74% APR, and an offer above your card rates means more interest on the same balance. Call now and a specialist compares your offer with your cards for free and gets you started today.