Wells Fargo (loans) vs American Express: which is better? Comparison 2026

By our public methodology Wells Fargo (loans) scores 78 out of 100 and American Express scores 76. Below: the factors and facts where they differ, each fact with its source.

Personal loans in the US 2026: banks and credit unions ranked How we rank

2

Wells Fargo (loans)

78/100
3

American Express

76/100

Score breakdown

Wells Fargo (loans)American Express
Licence100100
Transparency6060
Cost8483
Service4022

Pros and cons

Wells Fargo (loans)

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Publishes how to complain
  • No arrangement fee in the standard terms
  • Online application is not open to new customers

American Express

  • Long licence history
  • Licence confirmed by the official list or a stated licence number
  • Fees or full loan terms are readable without login
  • No arrangement fee in the standard terms
  • Online application is not open to new customers

Facts side by side

FactWells Fargo (loans)American Express
Licensed since1870 api.fdic.gov1989 api.fdic.gov
Licensed by the regulatorYes api.fdic.govYes api.fdic.gov
Published rate, % of country reference82% wellsfargo.com85% americanexpress.com
Free early repaymentYes wellsfargo.comYes americanexpress.com
No arrangement feeYes wellsfargo.comYes americanexpress.com
Fees or terms publishedNot verifiedYes americanexpress.com
Complaints procedureYes wellsfargo.comNot verified
Online application for new customersNo wellsfargo.comNo americanexpress.com
Support hours a week84 h wellsfargo.com60 h americanexpress.com
Maximum amount, % of country reference200% wellsfargo.com100% americanexpress.com
Longest term84 mo wellsfargo.com60 mo americanexpress.com

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