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Wells Fargo Auto Loan & Refinance Rates

Christine Spencer

Auto Loan Expert

Wells Fargo Auto Loan Rates


Auto Loan Refinance APR


Used Car Loan APR


New Car Loan APR

Wells Fargo is one of the best banking and financial service providers.
It has early payoffs and fees.
Wells Fargo offers versatile loans and allows you to repay through its website.
Wells Fargo Auto Loan Rates

With services such as banking on the go, facilities to help you manage your account and check accounts, Wells Fargo tops the list.

Its auto loan service especially, is very efficient. Applications are online-based allowing customers to not only keep track of their accounts but also utilize tools such as auto-loan payment, car-buying tips and loan payment calculator.  For these reasons, Wells Fargo earns good ratings in our reviews.

Loan Versatility

According to our review, Wells Fargo auto loan is very versatile and has excellent credit history and loan amounts. It offers amounts greater than $22,000 and less than 85% of the car’s value. Relationship discounts of 0.25% are provided. To be eligible for the relationship discount, a customer needs to maintain a Wells Fargo checking account and also be able to make automatic payments from the bank’s deposit account. One relationship discount is allowed per application. The relationship discount has a downside as it does not encompass auto loans obtained from a dealership.

Its annual percentage rates (APR) for auto loan refinance, used car and new car are 4.08%, 3.63% and 3.12% respectively.

Wells Fargo, unlike other dealer services, is not interested in centralizing its operations but rather it is committed to be close to you and provide you with quick, reliable and flexible credit decisions.

Lease Buyout Options

Instead of returning the leased car, a lease buyout loan provides the money to help you purchase the car. You are able to own a vehicle that is familiar to you and avoid penalty fees for exceeding miles and for its wear and tear.

Application and Repayment

To receive loan offers, you are required to apply online. Create an account and submit your social security number including your employment and income. Part of the application requires that a credit check is made which eventually may affect your credit score.

Refinancing on longer term basis decreases your monthly payments but may increase the cumulative interest over the life of the newly acquired loan. You may also benefit from very low interest rates if you refinance.

Customer support

A very vital aspect of any given service provider is its customer support. At Wells Fargo, excellent support is offered. According to our reviews, employees have incredible communication skills.


Wells Fargo is among the largest auto loan providers in the nation. It has the strength, national scope and expansive resources needed to drive your dealership toward a greater level.

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