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Generally, you'll need a good to excellent credit score — or higher — to qualify for a $20, loan. The higher your credit score, the better your chances. To be eligible for a personal loan, you are required to have an open Wells Fargo account for at least 12 months. Use a personal loan for just about anything. A. interest — the amount paid to the lender. Personal loan fees. With some lenders, you'll want to pay close attention to charges of origination fees, closing. Secure the Money You Need. A loan from Navy Federal can be a great way to consolidate debt, finance home improvements or cover unexpected expenses. Use our personal loan calculator to estimate monthly payments for a Wells Fargo personal loan.

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