1. New credit accounts are subject to application, credit qualification, and income verification. Loan terms can range from 12 months to 60 months depending on the loan amount. Before you apply, we encourage you to carefully consider whether consolidating your existing debt is the right choice for you. Consolidating multiple loans means you'll have a single payment each month for that combined debt but it may not reduce or pay your debt off sooner. By understanding how consolidating your debt benefits you, you'll be in a better position to decide if it is the right option for you.

2. The Annual Percentage Rate (APR) will be based on the specific characteristics of your credit application including, but not limited to, evaluation of credit history and amount of credit requested and geographic locations. The interest rate is fixed for the life of the loan.

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To qualify for a customer relationship discount, you must maintain a Wells Fargo PMA^® Package, or a qualifying Wells Fargo consumer checking account, and make automatic payments from a Wells Fargo checking or savings account. The relationship discount is 0.50% for PMA Package customers, and 0.25% for qualifying consumer checking account customers. Only one discount may be applied per application. To learn which accounts qualify for the discount, please consult a Wells Fargo banker. If automatic payments are not selected, or are canceled for any reason at any time after account opening, the interest rate and the corresponding monthly payment may increase.