Wells Fargo auto loan rates

Indirect dealer financing - no direct online application.

From APR

6.59%

Best advertised rate

This is the lowest APR Wells Fargo advertises, reserved for top-tier credit. Your actual rate depends on your credit score, loan term, and the amount you finance.

Min credit

660+

FICO score

Wells Fargo advertises its best rates to borrowers with FICO scores around 660 and up. Below that, approval is still possible - usually at a higher APR.

Loan amount

$5,000+

Up to $110,000

Wells Fargo finances auto loans from $5,000 up to $110,000.

Loan terms

24–75

Months

Pick a repayment term from 24 to 75 months. A longer term lowers the monthly payment but increases the total interest you pay.

Today's Wells Fargo rates by loan type

Rates shown are the best advertised APRs as of July 8, 2026. Your actual rate depends on credit, term, and loan amount.

Loan type	Term	APR (from)
New car	60 mo	6.59%	Compare →
Used car	60 mo	6.99%	Compare →

Pros

Wide dealer presence
Branch banking access
Co-applicant friendly

Cons

No direct-to-consumer applications
No refinancing
Higher rates than online

How we rate lenders

Our 3.7/5 rating for Wells Fargo is computed from the same published data shown on this page - not from opinion, and never from partner relationships. The formula weighs four things:

Rates (40%) - the lender's best advertised APR, using our live-tracked rate when available.
Accessibility (25%) - the minimum credit score the lender advertises to.
Flexibility (20%) - the range of loan terms and the maximum loan amount.
Product range (15%) - how many loan types they offer (new, used, refinance, lease buyout).

Ratings update automatically when a lender's published terms change. Referral fees some lenders pay us have no input into this score.

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