- Personal loans: $3,000–$100,000 at roughly 6.7%–26% APR, for customers with an account for about 12 months.
- Flex Loan: $250 for a $12 fee or $500 for $20, repaid over four months, for eligible checking customers.
- Early Pay Day: direct deposits up to two business days early, free and automatic.
Wells Fargo personal loans
| Wells Fargo personal loan | |
|---|---|
| Amount | $3,000–$100,000 |
| APR | About 6.7% to 26%, with a relationship discount for eligible customers |
| Terms | 12–84 months |
| Fees | No origination fee or prepayment penalty |
| Eligibility | Existing Wells Fargo customers, generally with an account open for about 12 months |
You can check your rate online if you are an existing customer. Non-customers would need to open an account and wait before applying.
Wells Fargo Flex Loan
Flex Loan is a small-dollar loan offered in the Wells Fargo mobile app to pre-approved checking customers:
- $250 for a $12 fee, or $500 for a $20 fee
- Repaid in four monthly installments
- Funds arrive in your checking account almost immediately
Compare it with other banks in bank small-dollar loans.
Need $100–$1,000 before payday?
- One free request, many lenders
- Bad credit and benefit income considered by many lenders
- See the APR and total cost before you sign
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Wells Fargo Early Pay Day
Wells Fargo personal checking and savings customers can get eligible direct deposits up to two business days early. There is no enrollment and no fee. Timing depends on when your employer or benefits payer sends the deposit.
Wells Fargo overdraft fees
Wells Fargo has been reported to charge a $35 overdraft fee, up to three per day. See overdraft fees by bank for how to avoid them.
Bank terms change often. Figures are as reported in 2026; confirm current rates and fees on the bank’s website before you apply.
Bank personal loans usually need good credit and steady income, and some banks only lend to existing customers. If a bank turns you down, compare credit union PALs, installment loans for bad credit or a short-term loan request.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
What credit score do I need for a Wells Fargo personal loan?
Wells Fargo does not publish a minimum, but personal loans generally require good credit. You also need to be an existing customer, typically for about 12 months.
What is Wells Fargo Flex Loan?
A small loan for eligible checking customers: $250 for a $12 fee or $500 for a $20 fee, repaid in four monthly installments, offered in the mobile app.
How does Wells Fargo Early Pay Day work?
Eligible direct deposits can be available up to two business days early in Wells Fargo personal checking and savings accounts, with no fee or enrollment.