Financial support for Wells Fargo Auto customers

We’re here to help

As the Coronavirus (COVID-19) situation continues to evolve, we remain committed to you, our team members, and our communities. We know that this is a challenging time and many are experiencing financial uncertainty due to the Coronavirus (COVID-19) pandemic. We are here to help guide you through it.

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To help save you time, we encourage you to manage your Wells Fargo Auto loan account using our online self-service tools, available 24 hours a day, 7 days a week. Using our online services, you’ll be able to:

  • Make a payment
  • View your payment and transaction history
  • Request a payoff quote
  • Update your account information
  • Request payment assistance

If you haven’t already enrolled in our online services, consider signing up today. It’s quick and easy, and provides immediate access to your account information from anywhere anytime – no need to wait on hold for help.

If you received your loan directly through Wells Fargo (versus at a dealership), you can manage your auto loan account through wellsfargo.com. You can sign on to your account 24 hours a day, 7 days a week. If you haven’t already enrolled at wellsfargo.com, consider signing up today. For additional questions, please call us at 1-800-559-3557, Monday – Friday, 8:00 a.m. to 6:00 p.m. local time.

If you are experiencing financial challenges, or have long term or more permanent financial impacts as a result of the COVID-19 pandemic, please visit wellsfargoauto.com/assist to learn more about options that may be available to you.

Frequently asked questions

What if I am experiencing financial hardship due to COVID-19 and cannot make my upcoming payment?

  • You can request a payment deferment online. Sign on to your account at wellsfargoauto.com and then select Contact Us from the navigation. If you are 60 days or more past due in making payments, please call us to request a deferment.
  • If you don’t have an online account, you can sign up online or call us at 1-800-289-8004, Monday – Friday, 7:00 a.m. to 9:00 p.m., and Saturday 8:00 a.m. to 2:00 p.m. Central Time.
  • If you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 a.m. to 6:00 p.m. local time to request a payment deferment

You will need to request payment assistance for each account separately.

Three-month auto loan payment deferment impacts

If you cannot make your payments, you may be eligible for a three-month payment deferment, even if you previously received a deferment or are currently deferring payments related to COVID-19 or for another reason. By deferring your payments to a later date, you will owe more on your loan.

When you defer your payments, your next scheduled payment due date will be pushed out, and the loan maturity date will also be extended.

Visit wellsfargoauto.com/assist to learn more about options that may be available to you, or if you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 a.m. to 6:00 p.m. local time.

If you are able, you should continue to make your regular scheduled monthly payments to avoid additional loan costs. If you cannot make your payments, you may be eligible for a three-month payment deferment, even if you previously received a deferment or are currently deferring payments related to COVID-19 or for another reason.

Please sign on to your account at wellsfargoauto.com and send us a message or select Contact Us from the navigation. If you are 60 days or more past due in making payments, please call us to request a deferment. 

If you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 a.m. to 6:00 p.m. local time. 

If you are able, you should continue to make your regular scheduled monthly payments to avoid additional loan costs. If you cannot make your payments, you may be eligible for a three-month payment deferment, even if you previously received a deferment or are currently deferring payments related to COVID-19 or for another reason.

Please sign on to your account at wellsfargoauto.com and send us a message or select Contact Us from the navigation. If you are 60 days or more past due in making payments, please call us to request a deferment. 

If you received your loan directly through Wells Fargo (versus at a dealership), please call us at 1-800-559-3557, Monday – Friday, 8:00 a.m. to 6:00 p.m. local time. 

Qualifications and situations that affect eligibility for three-month auto loan payment deferment

If you are past due in making payments, you can still request a deferment. To learn how payment deferments are applied to past-due accounts, visit wellsfargoauto.com/assist.

Yes. If you are in a bankruptcy status, you can still request a deferment. We recommend you speak with your bankruptcy attorney for more information about whether a deferment is the right option for you.

What happens with your auto loan account during the deferment period

Yes. We will continue to send you a statement / eStatement showing the amount due every 30 days. The statement will still show the amount due and it will reflect the next payment due date.

Yes. You may continue to make payments during the deferment, which will reduce the amount of interest owed at the end of the deferment.

If you choose to make a payment of any amount during the deferment period and you resume making your regular scheduled monthly payment after your deferment ends, then the balance due after your loan maturity date could be less or zero.

Yes. Interest will continue to accrue on the unpaid balance during the deferment period. By deferring your payments to a later date, you will owe more interest on your loan than originally disclosed.

This means that, assuming you make no payments during the deferment period, and you resume making your regular scheduled monthly payment after your deferment ends, you may have a balance due on or after your loan maturity date.

  • If you are enrolled in our Automatic Loan Payment (ALP) program and your payment is scheduled three or more business days after your deferment is approved, your automatic payments will be paused until your new payment due date.
  • If your ALP is scheduled less than three business days from the date your deferment is approved, the payment will occur as scheduled and your deferment will start the following month.
  • After your deferment is approved, be sure to confirm your ALP date, which you can do by signing on to your eServices account. If you would like to make any changes to your ALP date, please contact us.
  • If you have bill pay set up through Wells Fargo or another financial institution, be sure to request a temporary suspension of your payments, otherwise your payment will continue as scheduled.

Yes. After the deferment period ends, you will need to resume making your full and timely payments on this loan.

Depending on your loan status, payments made after the deferment period ends may be applied to interest that accrued during the deferment period and/or other fees and charges owed on your account before the outstanding principal. This could result in the principal balance of your loan being reduced at a slower rate.

  • This means that you may still have a balance on or after your loan maturity date.
  • If you have an amount due on or after your loan maturity date, you can continue to make a regular monthly payment until your outstanding balance is paid in full.

While you cannot cancel a deferment, you can continue making monthly payments during the deferment period, if you would like.

If you choose to make a payment of any amount during the deferment period and you resume making your regular scheduled monthly payment after your deferment ends, then the balance due after your loan maturity date could be less or zero.

Due to the COVID-19 pandemic, we are experiencing a high volume of requests. You can expect to see the payment deferment processed and applied to your account within five business days of submission. Please log back into your account at that time to see your updated payment due date.

If you purchased any additional products along with your vehicle, such as Guaranteed Asset Protection (GAP) or credit insurance, please refer to the product agreement for information about how coverage might be impacted. The coverage period for additional products may not change even though the loan maturity date is extended, leaving you with a period of the loan with no coverage under the relevant product(s).

Other Questions

You won’t be charged late fees during your deferment period. Otherwise, you are still subject to the terms and conditions of your account, which includes late fees for missed payments.

Your enrollment in this payment assistance program may factor into our decisions in evaluating whether to grant you any new credit, or the terms of that credit.