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Cosolidating loans

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Rates are typically higher without a cosigner; however, borrowers that meet these requirements on their own do not need a cosigner (but may still choose to apply with a cosigner).

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If financial hardship makes it difficult to remain current on the loan payments, we encourage you to talk to us to see what options are available.Wells Fargo reserves the right to change rates, terms, and fees at any time.Your actual APR will depend upon your credit transaction and credit history, and will be determined when a credit decision is made.The cosigner doesn’t have to be a relative; he or she can be any adult who meets the eligibility requirements.Most borrowers will need a cosigner for this loan to meet credit, employment, and debt-to-income requirements.Debt consolidation loans allow borrowers to roll multiple debts into a single new one with fixed monthly payments and, ideally, a lower interest rate.

Compare loans for debt consolidation and learn about your options for consolidating debt.

Variable interest rates are based on an Index, plus a margin.

The APR for a variable rate loan may increase during the life of the loan if the index increases. Rates are current as of 10/31/2017 and subject to change without notice.

With a debt consolidation loan, a lender issues a single personal loan that you use to pay off other debts, such as balances on high-interest credit cards.

You’ll pay fixed, monthly installments to the lender for a set time period, typically two to five years.

Your interest rate options will be presented to you during the application process, at which point you can choose between a specific variable interest rate and specific fixed interest rate.