Wells Fargo Auto Loans: Dealer-Driven Financing Backed by a Trusted Name
Looking for in-person support and a bank you know? Wells Fargo may be your match — offering auto loans through dealerships with flexible tools and strong history.

Best Financing Option For You

SEE FINANCING DETAILS

You will stay on our website.

Established Financial Institution

Auto loans backed by one of the most trusted banks in the U.S., with 50+ years of experience.

Multiple Payment Options

Pay your loan online, via mobile app, by phone, mail, or directly at a Wells Fargo branch.

Online Account Access

Track your auto loan, view due dates, request changes, and set up autopay 24/7.

Available Through Dealerships Nationwide

Get financing directly at the dealership—Wells Fargo partners with thousands of auto dealers across the U.S.

Where You Can Get a Wells Fargo Auto Loan+

Wells Fargo partners with dealerships nationwide. When buying a car, the dealer may offer Wells Fargo as one of your financing options.
How to Manage Your Auto Loan Online+

Once approved, use Wells Fargo’s website or mobile app to track your balance, schedule payments, or enable autopay—available 24/7.
Ways to Pay Your Loan+

You can pay your loan online, by phone, by mail, or in person at a branch. You may also request to move your due date.
What Is a Simple Interest Auto Loan?+

With a simple interest loan, interest is charged daily based on your remaining balance. Paying early can reduce how much interest you pay overall.

Wells Fargo is one of the most established banks in the U.S., with over 50 years of experience in vehicle financing. While it doesn’t offer online applications directly to consumers, it maintains one of the largest dealership financing networks nationwide. Whether you’re buying new or used, this lender is worth considering for those who prefer in-person advice with the credibility of a major bank.

Why Choose Wells Fargo?

50+ years of auto loan expertise
Available in thousands of dealership locations
Terms from 12 to 72 months
Payment management via mobile app or branches
Strong in-person support with bank-backed service
Reliable option for W-2 workers and retirees

Wells Fargo is especially appealing for buyers who prioritize face-to-face service. Customers who want the reassurance of walking into a bank branch to ask questions or resolve issues often feel more confident choosing this lender. Its structure also allows easier discussions about add-ons like GAP coverage, insurance bundling, or rate negotiation — directly with a human specialist.

Loan Types Offered by Wells Fargo

1. Dealer-Based Auto Loans

Apply directly at a Wells Fargo-affiliated dealership
Minimum amount: $5,000
APR determined by dealership and your credit profile
In-person review of terms and conditions before signing

2. Limited Refinance Options

Only available when offered by certain dealership partners
Not available via online form
Designed for trade-in situations or upgrades at the dealership

Sample Auto Loan Simulations

A. Buyer With Strong Credit (~700+)

Vehicle Price: $24,000
Down Payment: $4,000
Amount Financed: $20,000
Estimated APR: 5.09%
Term: 60 months
Monthly Payment: ~$379
Total Loan Cost: ~$26,740

B. Buyer With Moderate Credit (~620)

Vehicle Price: $22,000
Down Payment: $2,500
Amount Financed: $19,500
Estimated APR: 8.49%
Term: 60 months
Monthly Payment: ~$401
Total Loan Cost: ~$24,060

Some dealerships report success for applicants with scores in the 610–640 range, provided income is stable and there are no recent delinquencies. Buyers in this category often get better results by visiting the dealership in person and bringing all financial documents upfront.

Typical Approved Profiles

Salaried employees (W-2) with steady income history
Retirees with social security or pension as income
First-time buyers using a co-signer or larger down payment
Buyers with short credit history but no major derogatory marks

Wells Fargo vs. Competitors

Feature	Wells Fargo	Capital One	Ally Bank
Online Prequalification	✘	✔	✘
Minimum Credit Score	~660+ (dealer)	~580	~520
Refinance Options	Limited	✔	✔
In-Branch Loan Support	✔	✘	Partial
Lease Programs	✘	✘	✔

Wells Fargo may not offer digital applications, but it appeals to customers who value face-to-face support, bank-level trust, and integrated account management.