Eligibility Requirements:
- Be at least 18 years old
- Valid government-issued ID
- Proof of income and employment
- Optional: Wells Fargo checking account for discount
- No outstanding delinquency with Wells Fargo
Loan Application Steps:
- Go to the Wells Fargo personal loans page
- Click on “Check My Options” to preview rates
- Select desired loan amount and term
- Complete the online application
- Receive funds (potentially same-day) if approved
Frequently Asked Questions
How long does it take to get approved for a Wells Fargo loan?
Most decisions are instant; funding can occur the same business day.
Is it required to explain why credit is being used?
It’s optional, but specifying “home improvement” may help tailor options.
Do I need to have a good credit score to be approved?
Good credit helps, but income and overall profile are also considered.
Can I apply if I am self-employed?
Yes, with documentation showing income consistency.