Bank or credit union · United States

Wells Fargo alternatives, ranked by total repayable

1 of the 7 nearest bank or credit unions we hold work out cheaper than Wells Fargo best case, which costs $11,073 to repay on $10,000 over 36 months.

The lowest is PenFed Credit Union at $10,967, a difference of $106 over the term.

The group, by total repayable

Every lender of the same type and market that publishes a computable range covering this loan, in order of the best-case total.

Bank or credit unions in United States whose published range covers $10,000 over 36 months, ordered by best-case total repayable. Ordering is that number and nothing else — see Method. checked 2026-09-18
Lender	Lowest APR	Highest APR	Fee	Total repayable, best	Total repayable, worst
Wells Fargo (this page)	6.74%	26.74%	none, as published	$11,073	$14,647
PenFed Credit Union	6.09% with autopay; +0.25 without	not published	none, as published	$10,967	—
Discover	6.99%	24.99%	none, as published	$11,114	$14,312
First Tech Federal Credit Union	6.99%	not published	not stated	$11,114	—
TD Bank (TD Fit Loan)	7.99%	23.99%	none, as published	$11,279	$14,122
Navy Federal Credit Union	8.74%	18.00%	none, as published	$11,404	$13,015
Alliant Credit Union	8.99% with autopay; +0.40 without	11.99%	none, as published	$11,446	$11,955
Citi	9.99% with autopay; +0.50 without	17.49%	none, as published	$11,614	$12,923

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How that is worked out

amount received = the amount you want in your account (10,000 on most pages) amount signed for = amount received / (1 - origination fee %) monthly rate = APR / 12 (United States) or (1 + APR)^(1/12) - 1 (United Kingdom) monthly payment = amount received x monthly rate / (1 - (1 + monthly rate)^(-months)) total repayable = monthly payment x months cost of credit = total repayable - amount received cost per 1,000 = cost of credit / (amount received / 1,000)

Nothing else is added. The APR already includes the origination fee by law in both markets, so the payment is worked out on the amount you actually receive, at the APR, over the term — which is exactly how the lender's own representative example is built. The fee shows up as the larger amount you sign for, and the interest on it is inside the APR. Late fees, optional insurance and early-settlement charges are not in any figure on this site, because they depend on what happens after you sign. Best case uses the lowest published APR and the lowest published fee; worst case the highest of each. The full method is at Method.

When to stay where you are

Conditions under which the table above should not move you.

A lower floor is not a lower offer. The floor goes to the best credit profiles; the rate you are offered can sit anywhere in the range.
Do not decide yet if you are borrowing a different amount: put your amount and term in rather than reading the $10,000 column, because minimum and maximum loan sizes drop lenders out.

Who this is not for

This is a ranking of published ranges, not a shortlist of better lenders. We have not borrowed from any of them. If your reason for choosing is speed, service or approval odds, the order on this page tells you nothing about that.

Sources

Wells Fargo rates page. checked 2026-08-25
PenFed Credit Union rates page. checked 2026-08-25
Discover rates page. checked 2026-08-25
First Tech Federal Credit Union rates page. checked 2026-08-25
TD Bank (TD Fit Loan) rates page. checked 2026-08-25
Navy Federal Credit Union rates page. checked 2026-08-25
Alliant Credit Union rates page. checked 2026-08-25
Citi rates page. checked 2026-08-25

Written by Kaz (pen name). Figures are copied from providers' published pricing pages on the dates shown. We have not used these products. Corrections: contact form.