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Personal Credit Application Questions

Can I apply for an auto, boat, or RV loan online?

Yes. Used auto applications are available on our website.
We encourage you to apply for a boat, recreational vehicle, or other specialty loan through your local Wells Fargo store or through the Wells Fargo Phone Bank^SM Center at 1-800-WFB-OPEN (1-800-932-6736).

How can I apply for a loan or line of credit secured by my house?

Learn more about Wells Fargo Home Equity Loans and Lines of Credit and apply online.

I have no established credit. How can I obtain a loan from Wells Fargo?

You may be able to establish a credit history by applying with a qualified co-borrower. If that is not an option, you may apply for a secured personal loan by using a Wells Fargo Savings or Time Account (CD) as collateral.

I have less than perfect credit. How can I obtain a loan from Wells Fargo?

We suggest you apply for a secured personal loan using a Wells Fargo Savings or Time Account (CD) as collateral.

What credit agencies do you use for the credit report?

We use one or more of the following credit reporting agencies: Experian^®, Equifax^®, and TransUnion^®.

What are the income requirements for personal loans and lines of credit?

Minimum income requirements can range from $10,000 to $36,000, depending on the product.

If I already have a Wells Fargo loan, can I apply for an additional loan?

Yes, you may have more than one loan with Wells Fargo as long as you qualify.

If I already have a Wells Fargo Personal Line of Credit, can I apply for an additional one?

No. Please call the Wells Fargo Phone Bank^SM Center at 1-800-WFB-OPEN (1-800-932-6736) for assistance.

How soon can I get my money after my loan is approved?

After credit approval, you may access your funds the same business day.

What is the longest term on your loans?

Unsecured personal loans generally range from 12 to 48 months and up to 60 months, depending on the amount borrowed. Secured personal loan terms may extend to 120 months, depending on the type of collateral you use and availability in your state.

What is the largest amount available for an unsecured personal loan?

The maximum amount available for an unsecured personal loan is $100,000.

How secure is my information?

Wells Fargo's security standards are among the most stringent of any company on the internet. Our security team keeps abreast of and implements relevant technology developments – whether it is an improved form of encryption or a better method for monitoring unauthorized intrusion.
Read more about Wells Fargo Online and Mobile Privacy Policy and our Online Security Guarantee.