The Annual Percentage Rate (APR) shown is for a personal loan of at least $10,000, with a 3-year term and includes a relationship discount of 0.25%. , Your actual APR may be higher than the rate shown.
With a home improvement loan from Wells Fargo, borrowers are able to complete their home renovation project with a fixed-interest rate personal loan. We offer loan term options that let homeowners pick the loan option that's right for them.
Cover a variety of projects, including home repairs, kitchen remodeling, bathroom remodeling, HVAC replacement, solar panels, landscaping, and other home renovations.
You can check your rates in minutes — with no impact on your credit. And if you apply and are approved, your funds could be ready as early as the next business day.
Customize your loan to fit your needs, with a term between 12 and 84 months and a loan amount from $3,000 to $100,000. You'll get a competitive fixed interest rate, a fixed monthly payment, and no hidden fees.
Don't be limited by the amount of equity in your home. With an unsecured home improvement loan, borrow funds without using your home as collateral.
Repay a personal loan in terms of 12-84 months. Rates range from 7.49% to 24.99% Annual Percentage Rate (APR) , which includes a relationship discount of 0.25%. No origination fee or prepayment penalty. Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.
It's a kind of personal loan used to finance home improvements. You can use a home improvement loan to pay contractors or cover the costs of materials. Take on projects such as adding a room, remodeling the kitchen or bathroom, installing solar panels, landscaping the yard, making repairs to the roof, replacing floors or pipes, and much more.
They work just like other personal loans. There is no collateral required, meaning you don't have to sign over your home or other assets to secure the loan. The whole process can be completed in day(s) or even hours, where other financing might take longer. Plus, you'll have a fixed interest rate and monthly payment for the life of the loan.
The first step is to check your loan options. To see your rate and payment options with no impact to your credit score, click here. If you find a loan option you like, you can easily apply in minutes, and most customers get a same-day credit decision. If you're approved, you could have funds as early as the same day you sign for your loan, like 98% of our customers do. That means you can get started on your next home project without delay.
One of the main differences is that, with a personal loan, you don't need to provide collateral to secure the loan. That can make the application, approval, and funding processes much shorter — typically just a few days, if not hours. With a home equity loan, it can take weeks to evaluate your home, receive approval, and receive funds. And with a Wells Fargo person loan, there are no hidden fees — no origination or closing fees, and no prepayment penalty.
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At least 10% of the applicants approved for these terms qualified for the lowest rate available based on data from 04/01/2024 to 06/30/2024. The rates shown are as of 07/05/2024 and subject to change without notice. Your Annual Percentage Rate (APR) will be based on the amount of credit requested, loan term and your credit score. The lowest rate available assumes excellent credit history.
To qualify for a customer relationship discount, you must have a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. To learn which accounts qualify for the discount, please consult with a Wells Fargo banker or consult our FAQs. If automatic payments are canceled, for any reason at any time, after account opening, the interest rate and the corresponding monthly payment may increase. Only one relationship discount may be applied per application.
On average, 98% of customers received their funds the day they signed for their personal loan. (Based on data from April – June 2024).
Representative example of repayment terms for an unsecured personal loan: For $16,000 borrowed over 36 months at 12.99% Annual Percentage Rate (APR), the monthly payment is $539. This example is an estimate only and assumes all payments are made on time.
Late fees may still be assessed.
Annual Percentage Rate will be based on credit history, the amount financed, and the loan term.
Deposit products offered by Wells Fargo Bank, N.A. Member FDIC.