Wells fargo personal loan reddit We got quotes from 5 companies, 3 of those 5 offered 0% interest for 3 years with Wells Fargo, 1 offered 0% interest for 18 months through Capital One, and the 5th didn't offer a loan but was the cheapest. Nov 16 I received an update from the Well's Fargo's loan tracker saying to contact my loan advisor, I tried for the next 2 weeks and could not get hold of anyone on Wells Fargo's end. I’m planning on getting a $90k loan with wells fargo so I could renovate a house that my mother will be giving me since she will be leaving to a different state. We are looking to get a personal loan for $5,000 from Wells Fargo. The chase, truck, and the new personal loan? My minimum payments would then be Chase 850 Truck 500 New loan 840 But I would put 1200 towards the loan and chase each month. (and predatory in some cases) income if the loan was one of the following. Nov 27, 2024 · Wells Fargo Personal Loan vs. Wells Fargo pre-approved me for 70k They have 60-84 month terms to where i can pay 1700 a month. At the start, I had an option to choose between the $500 and the $250. I did the payments in big chunks and YES they will apply payment to the future three months, even if you do the payment with the rep over the phone and tell the rep it is for principal only, they will apply the payment to the future. If it shows up here, it should have a little message saying "Unlock money now - you're approved". Just click on "Flex Loan". 999% is BofA, Chase, USB, Citi, C1 etc. Wells Fargo can suck a bag of dicks. You can borrow up to $100,000 with Wells Fargo, which is a much higher maximum loan amount than a Discover personal loan, which maxes out at I have had to use that unit twice until I finally said F it, getting new AC unit. I can wipe out all debt and pay 1700 a month opposed to nearly 3k If i continue to make minimum payments on these credit cards, itll take 30+ years to pay off. Finally I called Wells Fargo Home Mortgage's national customer service line, I was then told the reason why I couldn't get hold of anyone was because the advisor 19M subscribers in the personalfinance community. After I paid off the $500 loan, they offered me the $250 loan a couple weeks later which I am currently paying off. • A private education loan. • A loan from an educational organization described in section 170(b)(1)(A)(ii). com Dec 2, 2024 · Wells Fargo loans are available between $3,000 and $100,000, and terms may range from one to seven years depending on the loan amount. See Pubs. So if you don't have any collateral you may be out of luck. According to Credit karma my credit score is 765 and 755 but I ended up getting declined. Yes banks give loans, if you qualify. Get the Reddit app Scan this QR code to download the app now. It makes sense to me to do the loan than to get a mortgage. Discover Personal Loan. My bank (Wells Fargo) rejected me while I was on my hiatus and now I can’t reapply for a personal loan online. We are purchasing a new home and trying to get the lowest closing costs that we can. I then checked if I could get pre-approved through Credit Karma(lending tree 1,000) also did not work. Credit unions are not for profit, owned and indirectly governed by their customers (members). Use the rest of the money from the car sale to pay some of the big loans. I'm the only one using Amex for main, and other 39. This subreddit is a place where high income professionals of all types can ask, answer, discuss, and debate the personal finance and investing questions specific to our unique situations without being criticized, ostracized, or downvoted simply for having a high income and "first world" problems. Yes, I had a Wells Fargo private student loan as I was also not eligible for FAFSA. Generally you are better off going to a local credit union for personal loans. • A loan for postsecondary educational expenses. S. Interested in a Wells Fargo personal loan, I received an email that allowed me to get a soft pull, which provided me with rate options, payment terms, and loan periods. 95% apr. I think the interest rate at the time (2007) was about 8%. As the title says. 5% so that's why I want to take out a personal loan with a fixed interest rate. I have very satisfyingly moved about 2 million in loans from Wells Fargo over the last few years, the last refinance just happened last month. I paid that shit off like my hair was on fire as soon as I got a job. 5% with Wells Fargo but the term is 36 months which is a bit shorter than I was hoping I have a personal loan offer for 25,000 at 17. $1 today is worth more than a $1 in 48 months in terms of buying power. After doing the preliminary paperwork the clerk states that I qualify for a loan with an APR of between 8. I think interest rates are going to rise too so I want to get ahead of this. Lending Tree, SoFi, Best Egg, among others so personal loans for debt consolidation. something% and 13. How do I get a personal loan? With Wells Fargo, the whole process is hassle-free. I have my mortgage with them now. As far as Wells Fargo is concerned, they're just another bank. I chose the $500 first. P. We've been hit with car repairs, needed a new appliance, need to have a tree cut down that is leaning over our house, etc so various needs. Wells Fargo personal loans are likely a good fit for existing customers, thanks to a wide range of loan amounts and repayment terms, plus perks like pre-qualification and a rate discount. Unless you have a better plan I wanted a 1000 dollar loan from Wells Fargo but the minimum they do is 3000 so I figured I would pay 2000 back immediately and use the 1000. • A loan from an organization exempt from tax under section 501(a) to refinance a student loan. Some require good credit. Ugh anyway, I realize this has nothing to do with your situation, I’m just astounded at how varied this stuff can be. When I had an auto loan with Wells Fargo (back in like 2015 or so), you had to pay ahead 3 payments before you could add any extra to principal. Wells Fargo gave me an 8k personal loan, and the only thing I remember them asking me was “what is this loan for”. So, I went to Wells Fargo since they gave me a $3k personal loan about 4 years ago so this would be more of a known relationship. But you know the meme "Wells Fargo Sucks". As a result, you will generally get better pricing from a credit union (especially if you have a lower credit score - even if you might have a hard time finding a credit union that will offer you a loan) and you will be treated like a human by a credit union. In my friend group, like at least 60% of them using Wells Fargo. See full list on wallethub. Near me, I've heard only good reviews, or maybe my friends are not that really care about their banks. It looks like, if you keep paying it off on time, they will continuously offer you these loans. Agree, I got stuck with WF as well, I was lucky to have the money to pay 97% of my car loan within weeks. Wells Fargo says their loan origination fee if a flat $1000 vs current bank at 1% of total purchase price. Say you have $100k in your account, you ask for a personal loan of $10k, do Wells Fargo take that in consideration? Thinking going into the bank versus online due to that, my credit score is 740 which is good considering I have a public record (CH7) on from Jan 2009, so a few years to go before it drops off but no credit issue or money issues Before the crazy interest rate hikes I was paying an average of 6. 4681 and 970 for further details. Technically the loan would be better if you think in terms of inflation because the loan has 0% interest. Learn about budgeting, saving, getting out of debt, credit, investing, and retirement planning… Credit unions and credit karma personal loans ask how long I’ve worked at this job and they’re rejecting me for recently starting. With less debt, after a few months with a better credit score, it may be much easier to get a personal loan from a local credit union or another balance transfer card with 0% interest, allowing you to shift some of the remaining highest interest cards. https://www. Should I accept this loan and pay all the small ones so I would be left with only 3. They have gotten significantly worse over the last 5-7 years. Barring all that, consolidating to a Wells Fargo loan at 15% is still going to be better than what you have now Click that "Loans" tile and the next screen should show you options for "Flex Loan", "Home Loans", and "Personal Loans". something% over the 3 year loan. Find out if it's right for you. Haven’t talked to a human to explain that I’ve worked other jobs for at least a year. com/personal-loans/ Wells Fargo is no longer doing lines of credit. wellsfargo. For any, you'll need good credit to receive the best interest rates. You could go into a branch directly and pay by check directly to principal, so better hope you had a branch near by. Or check it out in the app stores Need advice on a personal loan from Wells Fargo. $35,000 dollars . The best I've been able to find is 8. Wells Fargo offers loans from $3,000 to $100,000 with terms of 12, 24, 36, 48, 60, 72, and 84 months. I know there are certain things we can shop for in an attempt to lower the total closing costs. wviik whqcull kzvmw yssje bmkvuzql qkyxmh llt icaae vjfpzow vmz ryvge gzhq yfrvzh xeon jmphuoa