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Wells Fargo

  • 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.

eligible credit type ⓘ

Visit Wells Fargo for product eligibility.

Our eligible credit type estimate is a general guide based on FICO® Scores:

Credit Type FICO® Score
All All Scores
Fair 620+
Good 680+
Great 720+
Wells Fargo
We are not affiliated with nor endorsed by Wells Fargo. We are an independent review site.

Wells Fargo Review

$300 Loan Amount
195% APR Range
Chat Help
Phone contact
Online Acct Mgmt
Branch Access
Privacy Policy
State Licensed Lender
Great Sniff Score
BBB Accredited
B+ BBB Rating
? BBB Complaints
Answers BBB Complaints

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.

Related Wells Fargo Links and Articles

We are not affiliated with nor endorsed by Wells Fargo. We are an independent review site.