Wells Fargo is the third-largest bank in the U.S. by asset size, boasting over 4,200 branches across 40 states. This makes it an excellent choice for those seeking a personal loan from a bank with in-person service. The bank offers competitive rates, a wide range of loan amounts ($3,000 to $100,000), and flexible terms spanning from one to seven years. You can easily check your rate with just a soft credit pull. Additionally, if you hold a qualifying Wells Fargo consumer checking account and meet other criteria, you may receive a relationship rate discount of 0.25%.
However, a key drawback is that you can only apply for a personal loan with Wells Fargo if you have been an existing customer for at least 12 months.
