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Wells Fargo's underwriting process typically requires a credit score of 620 or higher to get a mortgage. However, a strong financial portfolio might work in your favor if your credit score is a little lower.

Most payoffs can be completed over the phone free of charge. Please call 1-866-234-8271 with your payoff details. Deadline: 7:30 pm Central Time (Monday – Friday)

Apply online Our simplified and secure online mortgage application will walk you through the process step by step. If you're a Wells Fargo customer and use your Wells Fargo Online® username and password we'll prefill some of your information, making it easier to complete the application.

Wells Fargo does not offer personal loans for bad credit since the company requires a minimum credit score of at least 660 to get approved. Wells Fargo unfortunately does not offer credit cards for people with bad credit, either.

How far behind you are on a bill payment, the number of accounts that show late payments and whether you've brought the accounts current are all factors. The higher your number of on-time payments, the higher your score will be. Every time you miss a payment, you negatively impact your score.

The standard FICO® Credit Score has a range of 300 to 850, while the FICO® Auto Score and FICO® Bankcard Score have a slightly wider range of 250 to 900.

Need assistance keeping up with your payments? We may be able to help you get through your hardship. Sign on or call us at 1-800-241-0028.

You should get a final decision within 7 business days of applying. Approved applicants will get their card within 10 business days of approval. You can learn more below.

It's recommended you have a credit score of 620 or higher when you apply for a conventional loan. If your score is below 620, lenders either won't be able to approve your loan or may be required to offer you a higher interest rate, which can result in higher monthly payments.