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Wells Fargo

0 Rating
The Payday Hound Rating
  • NO LONGER OFFERED. Phased out May 24th, 2014.
  • Advance limit is lower of $500 or 50% of direct deposit amount.
  • Governed by federal and South Dakota law. Since 2012.
NOTE: We are not affiliated with nor endorsed by Wells Fargo. We are an independent review site that is 100% free to you.
Wells Fargo Review
Wells Fargo States
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Estimated Costs
$23 / 195% apr
$300, bi-weekly, 1.0 payment loan
See Wells Fargo for actual rates.
Wells Fargo Features
<$500 Maximum First Loan
Privacy policy
HTTPS (SHA-2) encrypted
State licensed lender
BBB Accreditation
Great Sniff Score
B+ BBB Score
? BBB complaints
? BBB unresponded issues
Phone contact
Live chat
Spanish application

We were excited to see Wells Fargo offer a product to compete with payday lenders but regulators do not like payday loans and have made it very difficult for banks offer products to the financially excluded. As a result Wells will no longer be offering this product. On their site they say, "Due to recent changes to federal regulations we are not able to offer the service in its current form and will unfortunately need to turn off the service." We find this very unfortuante because we believe increased competition in this space will improve pricing and offerings available to the underbanked market. Instead we see an effort to ban these products which really only drives out products like Wells who was offering a the cheapest rates in the space.

What follows is our previous review of the product that is now being phased out.

Wells Fargo is one of the few national banks offering emergency cash products. This product is a great product with the only draw back being that one must be a Wells Fargo customer with a checking account to benefit from it. So if you are already a customer this is great otherwise it could be difficult to get started in an emergency.

If you are a customer it is very easy and there's no need to apply. One just signs up for it in their account. See our full review of this product below.

NOTE: We are not affiliated with nor endorsed by Wells Fargo. We are an independent review site that is 100% free to you.