Personal credit Lines


Borrow money using your

A Wells Fargo Personal Line of Credit offers the convenience and flexibility to help you meet life’s financial situations. You’ll enjoy easy access to a ready source of funds for recurring expenses, major life events, large purchases, or even unexpected expenses. Borrow what you need, whenever you need it without having to reapply.

Get a credit decision in as little as 15 minutes, and access to funds quickly— often within 1 business day.

Benefits of a Wells Fargo Personal Line of Credit

  • A competitive variable interest rate
  • No collateral required
  • Line amounts from $3, 000 to $100, 000
  • No cash advance or balance transfer fees
  • Low annual fee of $25
  • Interest rate discounts may be available for customers with qualifying Wells Fargo consumer checking accounts

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Time Account (CD)/Savings Secured Line of Credit

Get a lower annual percentage rate by securing your line of credit with a Wells Fargo savings or Time Account (CD). Our application is convenient and fast — you can get a quick credit decision and generally access funds within 1–2 business days.

Benefits of a Time Account (CD)/Savings Secured Line of Credit

  • Maintain and continue to earn interest on a savings or Time Account (CD) while meeting your borrowing needs
  • Line amounts from $5, 000 to $250, 000
  • Access a ready source of funds at a lower interest rate by providing approved collateral (such as a Wells Fargo CD) to secure your line of credit

New credit accounts are subject to application, credit qualification, and income verification. The Annual Percentage Rate (APR) ranges from 7.25% to 20.00% for the unsecured Personal Line of Credit and 6.50% to 8.50% for the Time Account (CD)/Savings Secured Line of Credit. Rates as of and subject to change without notice. Wells Fargo reserves the right to change rates, terms and fees at any time. Your actual APR will depend upon your credit transaction, your credit history and will be determined when a credit decision is made. For questions, please contact us at 888-667-5250. There is a $25 annual fee.

To qualify for a customer relationship discount, you must maintain a qualifying Wells Fargo consumer checking account and make automatic payments from a Wells Fargo deposit account. Only one relationship 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.

Interesting facts

  • A line of credit is any credit source extended to a government, business or individual by a bank or other financial institution. A line of credit may take several forms, such as overdraft protection, demand loan, special purpose, export packing credit, term loan, discounting, purchase of commercial bills, traditional revolving credit card...

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Popular Q&A

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where can i get a personal bad credit loan from with bad credit from? | Yahoo Answers

Do you have any collateral? I recently got a loan from Wells Fargo Financial and I have poor credit as well. Try AIG as well. Do be careful of the loan scammers out there. Don't give your personal information to any lender until you get a verifiable business name, address and number. And the big tipoff is that the lender will want upfront money before you receive the loan. That is illegal in the United States and Canada. If there are fees, etc. associated with the loan, will be deducted from the loan proceeds. Good luck.