{"id":4,"date":"2022-09-29T16:01:47","date_gmt":"2022-09-29T16:01:47","guid":{"rendered":"https:\/\/update.wf.com\/flex-loan\/frontpage\/"},"modified":"2025-07-22T19:09:26","modified_gmt":"2025-07-22T19:09:26","slug":"frontpage","status":"publish","type":"page","link":"https:\/\/update.wf.com\/flex-loan\/","title":{"rendered":"Flex Loan | Wells Fargo"},"content":{"rendered":"<h1 class=\"h1-flex-loan\">Welcome to Flex Loan<\/h1>\n<div class=\"container\">\n<div class=\"row justify-content-center\">\n<div class=\"col-12 col-sm-10 col-md-9 col-lg-8 col-xl-7\">\n<p class=\"subheading-descr textcenter pt-0\">Understanding the details of Flex Loan is easier than you may think. Answers to the most frequently asked questions are here.<\/p>\n<\/div>\n<\/div>\n<\/div>\n<h2 class=\"h2-flex-loan\">About Flex Loan<\/h2>\n<hr class=\"eyebrow textcenter\" \/>\n<ul class=\"accordion-container\" id=\"accordion-6335c336cdc04\"><li><h3 class=\"accordion-toggle expanded\" type=\"button\" id=\"accordion-content-6335c336cdc04\">What is a Wells&nbsp;Fargo Flex Loan?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>The Wells&nbsp;Fargo Flex Loan is a small-dollar loan available only to pre-approved Wells&nbsp;Fargo customers through their Wells Fargo Mobile&reg; app.<sup class=\"footnote-tag\" id=\"footnote-6421d53376cec-tag\"><a href=\"#footnote6421d53376cec\"><span class=\"ada\">Footnote <\/span>1<\/a>,<\/sup><sup class=\"footnote-tag\" id=\"footnote-63dacdbb4e05f-tag\"><a href=\"#footnote63dacdbb4e05f\"><span class=\"ada\">Footnote <\/span>2<\/a><\/sup> Flex Loan is available in the amounts of either $250 or $500, with a flat fee of $12 or $20, respectively. Funds are available within seconds. There are no application fees, hidden fees, late charges, or interest charges. Flex Loan is limited to the Wells&nbsp;Fargo Mobile app&reg; and is not available in Wells&nbsp;Fargo branches or over the phone.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cdc04\">How do I check for a Flex Loan offer?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>Flex Loan is only offered to pre-approved customers based on certain criteria. You can check if you are pre-approved by <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;LOB=CONS\">signing in<\/a> to your Wells&nbsp;Fargo Mobile&reg; app and selecting Explore in the bottom navigation bar then select Loans. <\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cdc04\">How many Flex Loans can I have?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>You can only have one open Flex Loan account at a time. In addition, you may only receive three Flex Loan offers over any 12-month period. Receiving one Flex Loan offer does not guarantee additional Flex Loan offers. Each offer is subject to eligibility rules.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cdc04\">Does a Flex Loan affect my credit score?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>There is no impact to your credit score at the time when the Flex Loan offer is made. Your credit score may be impacted when you accept the loan. Further, late payments, missed payments, or other defaults on your account may be reflected in your credit report.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cdc04\">How do I view my Flex Loan balance?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>You can view your Flex Loan balance and payment details by <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;LOB=CONS\">signing in<\/a> to your Wells&nbsp;Fargo Mobile&reg; app or Wells&nbsp;Fargo Online&reg; account and selecting your Flex Loan in the <strong>Account Summary<\/strong>.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cdc04\">Where do I access my Flex Loan Agreement?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cdc04\"><p>You can access your Flex Loan Agreement by <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;LOB=CONS\">signing in<\/a> to your Wells&nbsp;Fargo Mobile&reg; app or Wells&nbsp;Fargo Online&reg; account, and clicking on your Flex Loan from <strong>Account Summary<\/strong>, and then selecting <strong>Manage account<\/strong>.<\/p>\n<\/div><\/li><\/ul>\n<h2 class=\"h2-flex-loan\">Payments and fees<\/h2>\n<hr class=\"eyebrow\" \/>\n<ul class=\"accordion-container\" id=\"accordion-6335c336cf24d\"><li><h3 class=\"accordion-toggle expanded\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Will I receive payment reminder alerts for my Flex Loan account?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>When a payment is due or autopay is scheduled, a payment reminder alert is usually sent 5 calendar days in advance. We will send alerts to your email address or mobile device, as well as the <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;loginMode=jukePassword&#038;serviceType=myMessageCenter&#038;LOB=CONS\"><strong>Message Center<\/strong><\/a> within Wells Fargo Online.<\/p>\n<p>We recommend that you regularly check your Message Center to ensure you\u2019re receiving all of your Wells Fargo messages and alerts.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">How can I make my loan payments?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>Payments must be made online. There are two ways to make a payment:<\/p>\n<p><strong>Automatic payments:<\/strong><sup class=\"footnote-tag\" id=\"footnote-63dacdbb50db5-tag\"><a href=\"#footnote63dacdbb50db5\"><span class=\"ada\">Footnote <\/span>3<\/a><\/sup> You want the reassurance of having your Flex Loan payment processed automatically on the due date. You can set up recurring payments by <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;LOB=CONS\">signing in<\/a> to your Wells&nbsp;Fargo Mobile&reg; app or Wells&nbsp;Fargo Online&reg; account.<\/p>\n<p><strong>Online transfer:<\/strong> You can make a one-time, same-day payment or schedule a future payment to your Flex Loan account by <a href=\"https:\/\/connect.secure.wellsfargo.com\/auth\/login\/present?origin=cob&#038;LOB=CONS\">signing in<\/a> to your Wells&nbsp;Fargo Mobile&reg; app or Wells&nbsp;Fargo Online&reg; account.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Are there any origination fees?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>A fee is charged to originate a Flex Loan based on the loan amount.<sup class=\"footnote-tag\" id=\"footnote-63dacdbb53b62-tag\"><a href=\"#footnote63dacdbb53b62\"><span class=\"ada\">Footnote <\/span>4<\/a><\/sup><\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Are there any late fees or interest charged?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>There are no late fees or interest charges associated with a Flex Loan.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">How is my monthly payment calculated?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>Your Flex Loan monthly payment is determined by adding the loan amount and associated fee and splitting this into 4 equal monthly installments.<sup class=\"footnote-tag\" id=\"footnote-63dacdbb53b62-tag\"><a href=\"#footnote63dacdbb53b62\"><span class=\"ada\">Footnote <\/span>4<\/a><\/sup><\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">How often will payments be due?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>Flex Loan payments are due in 4 monthly installments.<sup class=\"footnote-tag\" id=\"footnote-63dacdbb53b62-tag\"><a href=\"#footnote63dacdbb53b62\"><span class=\"ada\">Footnote <\/span>4<\/a><\/sup><\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Can I change my Flex Loan payment due date?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>No, you are unable to change your payment due date for a Flex Loan.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Can I pay more than the monthly amount due?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>You can make payments for multiple installments. If you pay more than the regular amount due, the excess funds will be applied to future payments. This may push out your next payment due date and reduce your final loan balance.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c336cf24d\">Can I pay off my Flex Loan early?<\/h3><div aria-labelledby=\"#accordion-content-6335c336cf24d\"><p>You can pay off your outstanding Flex Loan balance in full at any time. There are no prepayment penalty fees. The origination fee would not be reduced if you pay off your loan early.<\/p>\n<\/div><\/li><\/ul>\n<h2 class=\"h2-flex-loan\">Other resources<\/h2>\n<hr class=\"eyebrow\" \/>\n<ul class=\"accordion-container\" id=\"accordion-6335c3832f861\"><li><h3 class=\"accordion-toggle expanded\" type=\"button\" id=\"accordion-content-6335c3832f861\">How do I request relief for my time in military service?<\/h3><div aria-labelledby=\"#accordion-content-6335c3832f861\"><p>Active-duty service members and their families may qualify for special military benefits. Contact Wells&nbsp;Fargo Military Banking by calling 1-855-USA-2WFB (<strong><a href=\"tel:+18558722932\">1-855-872-2932<\/a><\/strong>), Monday \u2013 Friday, 7:00 a.m. \u2013 8:00 p.m. Central Time.<\/p>\n<p><strong>Additional resources<\/strong><br \/>\nFor more information about Wells&nbsp;Fargo&#8217;s commitment to service members, please visit <a href=\"https:\/\/www.wellsfargo.com\/military\/veterans\/\">Military Banking<\/a> on wellsfargo.com.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c3832f861\">How do I report suspected fraud?<\/h3><div aria-labelledby=\"#accordion-content-6335c3832f861\"><p>You can find phone numbers to report fraud at <a href=\"https:\/\/www.wellsfargo.com\/privacy-security\/fraud\/report\/\">How to Report Fraud<\/a>.<\/p>\n<\/div><\/li><li><h3 class=\"accordion-toggle\" type=\"button\" id=\"accordion-content-6335c3832f861\">I still have questions. Who should I contact?<\/h3><div aria-labelledby=\"#accordion-content-6335c3832f861\"><p>You can call us on the number below for any questions regarding your Flex Loan.<\/p>\n<p>Personal Loans and Lines of Credit:<br \/>\n<strong><a href=\"tel:+18772696056\">1-877-269-6056<\/a><\/strong>, Monday \u2013 Friday, 7:00 a.m. \u2013 7:00 p.m. Central Time.<\/p>\n<\/div><\/li><\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Welcome to Flex Loan Understanding the details of Flex Loan is easier than you may think. Answers to the most frequently asked questions are here. About Flex Loan Payments and fees Other resources<\/p>\n","protected":false},"author":24,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-templates\/front-page.php","meta":{"_acf_changed":false,"footnotes":"4"},"class_list":["post-4","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/pages\/4","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/users\/24"}],"replies":[{"embeddable":true,"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/comments?post=4"}],"version-history":[{"count":0,"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/pages\/4\/revisions"}],"wp:attachment":[{"href":"https:\/\/update.wf.com\/flex-loan\/wp-json\/wp\/v2\/media?parent=4"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}