Credit Cards Key » CreditCardsKey » Credit Card Calculator » What are my chances of being approved on a Wells Fargo personal loan?

  #1 (permalink)
: I am considering applying for a $5,000 personal loan from my bank. What are my chances of being approved based on the following information: My Equifax score is 654, I've been at my job for over 4 years, my debt to income ratio is 26%, the only debt I have is student loans and a $250 credit card balance which combined equal about 50% of my yearly income.

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  #2 (permalink)
: The equifax score is considered by many to be a fako score.
Many experts only believe that only the FICO score from is the real score.
Cost about $16

Also, something tells me you did not get all 3 of your credit reports.
You get them all free at Annual Credit
Never get scammed into paying for your credit reports from those ads.

Personal loans are extremely hard to get.
Even those with good credit are having a seriously hard time (your score may be in a different tier system since it's not a fico score).
Google: Fico Score Estimator - that way you don't have to pay for it again.
Also google Credit Score Calculator.
Many, many people out there have never paid for their scores - just keep that in mind....
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  #3 (permalink)
: No
Your FICO is too low
And your credit card balance is above 30% usage.
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  #4 (permalink)
: Your chances are so-so if you are talking about a bank loan. You didn't mention the purpose or if there would be collateral. And that makes a difference.
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  #5 (permalink)
: ZERO- these kinda of banks take bailouts and never help anyone, it does not matter what kinda of credit score you have, they will not help, nothing has changed, the only people to get loans are those who tell the bank, "I DON'T REALLY NEED THE MONEY"
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