Availability: All 50 states.
For over 65 years, Wells Fargo Auto Finance Services has been helping customers finance or refinance their vehicles. With loan options for purchasing new and used cars, as well as a plethora of refinance options, Wells Fargo offers a loan option for almost any borrower. In addition, Wells Fargo is one of the only companies we reviewed that provides loans and refinancing for specialty vehicles like motorcycles, boats and RVs.
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Rank Chart
Loan Amount
Term Length
Our Score
36-75 months
$5k-No Max
12-84 months
36-72 months
Not specified
Not specified

The Good

Wells Fargo allows all car loan applicants the option of having a co-applicant if desired. In many cases, a co-signer is beneficial in achieving a better loan rate and is also a helpful option for individuals hoping to build or establish credit. Although Wells Fargo offers the option to complete an application online, borrowers can also apply at a local Wells Fargo location if they prefer to go through the process in person with a Wells Fargo representative.

Wells Fargo offers specialty vehicle financing, which covers motorcycles, power sport vehicles, recreational vehicles, boats, yachts and even aircrafts. There are no fees to apply for these loans and, once approved, customers will usually be financed within 1-2 business days.

The Bad

The interest rate examples displayed on the Wells Fargo website won’t apply to many applicants – the fine print listed with the APRs shown on the site say that the rates are based on the assumption that an applicant has excellent credit, is applying for a loan larger than $22,000 and has a loan-to-value ratio of less than 115%. Based on the website’s information, these rates will only apply to a small percentage of applicants, so it’s likely that the average borrower will have a higher APR.

The Bottom Line

Wells Fargo is one of the few lenders we reviewed that offers loans for specialty vehicles. Although the APR could be slightly higher than advertised for most borrowers, Wells Fargo offers a range of terms and the ability to have a co-applicant, which may give borrowers more loan options to choose from.

Not looking for Wells Fargo Car Loans? Try these pages:

Wells Fargo Mortgages

Wells Fargo Bank

Wells Fargo Personal Loans

Wells Fargo Business Loans

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