Personal Loan Help

To complete an application, please refer to the Application Checklist.

We offer personal loans ranging from $3,000 to $100,000.

• 12 – 36 months for personal loans ranging from $3,000 to $4,999.
• 12 – 84 months for personal loans ranging from $5,000 to $100,000.

See our current interest rates or check your rate in minutes with no impact to your credit score. Apply when you're ready.

You could have a quick credit decision, typically the same day.

For most applications, you can track your application status online if you share your email address with us at the time of application. We'll send you an email telling you how.

You have many options for making payments.

Set up automatic payments

With automatic payments, your payment is debited monthly from your checking or savings account. To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Set up Autopay. You can also call us at 1-800-289-8004 or download the automatic loan payments authorization (PDF), complete the form, and return by mail or fax.

Pay online

Sign on and select your auto loan from Account Summary. You can make a payment immediately or schedule a payment up to 30 days in advance. Not enrolled in Wells Fargo Online^®? Enroll now.

Pay by phone

Call 1-800-289-8004, 24 hours a day, 7 days a week, to use our automated system.

Pay by mail

Make your check or money order payable to Wells Fargo Auto. Be sure to fill in all sections of a money order. (Don't send cash.) Write your account number on your check or money order. Mail your payment to:

Wells Fargo Auto
PO Box 17900
Denver, CO 80217-0900

Pay in person

You can make payments at any Wells Fargo banking location and a Wells Fargo account isn't required.

Other ways to pay

• MoneyGram^® - Include your 10-digit Wells Fargo Auto account number and Receive Code 1815. Please note: Third-party fees may apply.
• Western Union^® - Include your 10-digit Wells Fargo Auto account number, Western Union City Code CATX, and State Code TX. Please note: Third-party fees may apply.

To set up automatic payments, sign on, select your auto loan from Account Summary, and then select Set up Autopay. You can also call us at 1-800-289-8004 or download the automatic loan payments authorization (PDF), complete the form, and return by mail or fax.

If you'd like to change your automatic payment, you'll need to cancel the recurring schedule and then set up Autopay again. To cancel your automatic payments, sign on, select your auto loan from Account Summary, and then select Manage Autopay. Please allow at least 3 business days before the automatic payment is scheduled to withdraw.

As an Online Banking customer, you have access to view, download, and print up to 12 months of auto loan statements. If you'd like to stop receiving paper statements in the mail, sign on to your account and select Manage delivery preferences.

Before you apply for a due date change, you'll need to meet the following criteria:

• You've made the first payment on your auto loan.
• Your requested payment due date shouldn't be more than 15 days from your existing payment due date. For example, if your existing due date is the 5^th of the month, you can change it to the 20^th of the month, or any day in between.
• This is your first payment due date change. (You're allowed one payment due date change for the entire term of the loan.)
• Your account is current or no more than 10 days past due.
• Your loan has a fixed interest rate.

If you change your due date, your loan maturity date will be adjusted. Your monthly payment amount will remain the same.

To request a due date change, please call us at 1-800-289-8004.

There are several ways to pay off your loan:

Online

Sign on to your account, select your auto loan from Account Summary, and then Get payoff quote. If your payoff amount is less than $5,000, you can make an online payment to pay off your account.

Mail

1. Make your check or money order payable to Wells Fargo Auto.
2. Write "Payoff" on the memo line of the check or money order and include your 10-digit account number or 17-digit vehicle identification number (VIN).
3. Mail your payoff to:
   
   Wells Fargo Auto
   PO Box 17900
   Denver, CO 80217-0900
   
   Mail an overnight payoff to:
   
   Lockbox Services 17900
   Wells Fargo Auto
   1750 Lincoln St.
   Denver, CO 80274-0002

Wire transfer

Use the following information for a wire transfer and include your 10-digit account number or processing may be delayed.

Bank name: Wells Fargo Bank
Bank ABA routing # – domestic: 121000248
Bank ABA routing # – international: WFBIUS6S
Beneficiary account name: Wells Fargo Auto
Beneficiary account #: 01541881620717
Physical address: MAC S3983-01G, 420 Montgomery St., San Francisco, CA 94104
Originator to beneficiary information: Account holder's 10-digit account number and the account holder's name as it's listed on the account

Branch

You can pay off your loan at any Wells Fargo banking location and a Wells Fargo account isn't required.

MoneyGram or Western Union

MoneyGram and Western Union may be an option; however, transaction limits vary, and third-party fees may apply. Please contact them for more information.

• MoneyGram^® - Include your 10-digit Wells Fargo Auto account number and Receive Code 1815.
• Western Union^® - Include your 10-digit Wells Fargo Auto account number, Western Union City Code CATX, and State Code TX.

Note: It can take up to 120 days for your credit report to show your auto loan as paid in full. We report the same information to all 4 credit reporting agencies – Equifax, Experian, TransUnion, and Innovis.