Vehicle information, including make, model and vehicle identification number (VIN).The loan application process varies, but you’ll likely need a few common items. This means that the entire process of application is done through the dealership of your choosing. To apply for a loan with Wells Fargo, you will have to work with one of the dealers found in its network. For the best terms, come with an excellent credit score of 740 or higher. Your rate will be based on factors like your credit score and the vehicle you choose. Interest rates and termsĪlthough Wells Fargo does not disclose its rates and terms, you can expect terms between 12 to 72 months. If you’re looking for better terms on a current auto loan, check with other lenders. Wells Fargo does not offer refinancing options for auto loans. So, it is wise to take advantage of a monthly auto loan calculator to best understand what you can afford. New and used vehicle loansĭue to the relationship that Wells Fargo holds with dealerships, they do not disclose their rates, fees and terms. Wells Fargo offers auto loans for new and used vehicles through partner dealerships. If the dealership can beat it with an offer from Wells Fargo, you can review the terms offered and decide whether to choose it instead. It’s best to come into the dealership with a preapproved loan from another lender.
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But because the rates are not shared outside of dealerships, drivers may feel surprised by the cost if they go in without researching ahead of time. To apply for a loan with Wells Fargo, you will have to go through a partner dealership.Īn auto loan from Wells Fargo is best for drivers who prefer an in-person experience. Wells Fargo does not offer prequalification, which can help you understand how you can afford to borrow and give you negotiating power. Due to the dealership relationships, rates vary and cannot be determined until meeting with a sales representative at a dealer lot. Unlike some other lenders, Wells Fargo does not charge any prepayment penalty, origination or application fees.
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and doesn’t charge extra for making payments at a branch, which is a great plus for drivers who prefer to handle finances in person rather than online. Wells Fargo boasts over 4,000 banking branches across the U.S. What to do when you lose your 401(k) matchīefore signing off on an application, consider all the benefits and drawbacks - especially given you can’t prequalify. Should you accept an early retirement offer? How much should you contribute to your 401(k)?
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