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• APR: 6.99% to 23.24% (with relationship discount)
• Repayment terms: 1 to 7 years
• Funding amounts: $3,000 to $100,000
• Funding timeline: Next business day
• Origination fee: None
• Other fees: Rejected payment: $39; late payment: $39
• Minimum credit score required: None

The personal loan market has come to be dominated by a fleet of online banks that, in most cases, don’t have physical branches. With no branches to maintain, online lenders can often offer better online personal loan terms. But some people may feel more confident borrowing money after an in-person conversation with an employee from a bank located in their neighborhood. Among the big national lenders, Wells Fargo offers a reasonable range of APRs, flexible repayment terms and a wide array of funding amounts. One caveat: Wells Fargo may change fees for rejected payments (also called NSF or nonsufficient-funds payments) and late payments. And those can add up.