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While Wells Fargo personal loans are offered in all 50 states, it doesn't have branches in 14 states. These states are Ohio, Michigan, Kentucky, West Virginia, Missouri, Oklahoma, Louisiana, Maine, Vermont, New Hampshire, Massachusetts, Rhode Island, and Hawaii. This may pose a problem, as only current customers qualify to apply for loans through Wells Fargo's online portal or by phone.Wells Fargo will charge up to $39 late payment fee. Other personal loan lenders don't charge any late fees. The Better Business Bureau, a nonprofit organization focused on consumer protection and trust, gives Wells Fargo an F grade, and based on customer reviews with the BBB, it has 1.06/5 stars.There have been several government actions against the company, too. Most recently, the Consumer Financial Protection Bureau in December 2022 ordered Wells Fargo to return $2 billion to customers and pay a $1.7 billion penalty for legal violations involving auto loans, mortgages, and deposit accounts.If you need a larger personal loan, Wells Fargo may be a better option. · Wells Fargo's repayment terms range from one to seven years, while Discover's terms range from three to seven years. If you want a shorter term length — and to save money on overall interest in the process — Wells Fargo may be the choice for you.