Get Exclusive Auto Financing for Luxury Cars with Wells Fargo

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.

Exclusive financing typically means tailored loan terms, higher approved loan amounts, and concierge-level service for high-value vehicles. You can expect specialized underwriting that considers rare models, collector value, and customized repayment schedules rather than standard mass-market auto loans.

Wells Fargo offers auto loan products and dealer services that can finance high-value vehicles through participating dealerships. The bank provides online tools, FICO score access, and options like guaranteed asset protection (GAP) to help protect your investment.

Lenders generally prefer strong credit profiles—often mid-to-high 600s and above for luxury loans—but prime rates are seen with scores in the 700s. They also review payment history, recent credit inquiries, and any past repossessions or delinquencies that could affect approval or rates.

Expect stricter income documentation and lower acceptable LTVs than for standard cars. A 20% down payment is a common benchmark for luxury and exotic vehicles to reduce LTV and monthly cost. Lenders will also evaluate debt-to-income ratios and stable income sources.

Existing auto loans reduce your available monthly cash flow and raise your debt-to-income ratio, which can lower the approved amount or raise your rate. Timely payments on past loans help your case, while late payments or repossessions hurt it.

Enroll in Wells Fargo Online and the mobile app to access educational FICO scores and loan statements. You must register with account credentials and accept online access terms. Some score displays are educational rather than the exact score used in underwriting.

Yes. Online FICO displays may be educational and not identical to the score a lender uses. Review the disclaimer and contact customer service or your loan officer if you need a score used for underwriting or a specific credit bureau’s number.

Wells Fargo typically retains recent statements for a limited period online. Availability windows vary, so download or save statements you need for tax, insurance, or record purposes. Check online account settings for e-statement retention details.

Monthly payments depend on term and rate. As a rough guide, at a 5% annual rate over 60 months, $1,000 financed yields about $19 per month; at higher rates or longer terms the payment changes. Use an online loan calculator to get exact figures for your rate and term.

Yes. For example, a $150,000 vehicle with 20% down ($30,000) leaves $120,000 financed. At a 5% rate for 72 months, the monthly payment would be roughly $1,897. Exact numbers will vary by rate, fees, and loan structure, so confirm with an official loan offer.

A 20% down payment reduces LTV, lowers monthly payments, and signals borrower stability. For high-value or rapidly appreciating/ depreciating models, this buffer protects both you and the lender against resale volatility.

Typical terms range from 48 to 72 months. Extended terms (72–84 months) lower monthly payments but increase total interest and can leave you with negative equity longer. Extended terms may make sense if you need lower monthly cash flow and plan to keep the vehicle long-term.

Rates vary based on credit score, loan term, down payment, vehicle age, and lender policy. Exotic cars often carry higher rates due to higher risk and resale uncertainty. Market rates and your credit profile remain primary drivers of the final APR.

Get preapproved before you shop to understand your budget and strengthen negotiation. Compare offers from the manufacturer’s finance arm, online lenders, banks like Wells Fargo, and credit unions to find the best rate, term, and service level for your situation.

Gather ID, proof of income, residence, vehicle information, and current loan statements. Complete a lender application online or through a dealer, review APR, fees, and term details, and only sign after confirming monthly payment and total cost.

Share your preapproval and preferred lender details with the dealer. The dealer’s finance office can present offers from multiple lenders, but always compare those offers to your preapproval to ensure you get the best rate and transparent fees.

New cars offer warranty protection but higher depreciation. Certified pre-owned (CPO) cars often balance lower price with manufacturer-backed inspections and warranty coverage. Private-party used cars can be cheaper but carry greater uncertainty—inspectation and vehicle history reports are critical.

GAP covers the difference between your vehicle’s insurance settlement and the loan balance if totaled or stolen. For high-value cars with rapid depreciation or high loan balances, GAP can prevent large out-of-pocket costs after an insurance payout.

Processes vary by state. Once you pay off the loan, the lender files a lien release with the motor vehicle department or sends the title to you. Timing and method depend on state law and whether the title is electronic or paper.

Some states issue and mail the paper title to the owner after the lender releases the lien. Procedures change, so check your state’s motor vehicle department website or contact your lender for current state-specific instructions.

In several states the motor vehicle department handles title issuance after lien release rather than the lender. Because rules vary widely, confirm with your state DMV and your lender for exact timing and requirements.

In some states the owner receives the paper title immediately and the lender later provides a lien release document. This difference affects how quickly you can sell or modify the title—verify procedures in your state before payoff.

Electronic title states store titles digitally, so the DMV or lender can issue certified copies on request. To get a copy, contact the state motor vehicle agency or your lender to request an official paper or certified electronic document.

The Wells Fargo mobile app provides account access, statements, and alerts. Standard mobile carrier data rates apply. Review your device and carrier plan for roaming or large-data limits to avoid unexpected charges.

Read terms that cover privacy, security, electronic disclosures, and message permissions. Pay attention to liability limits, authentication methods, and how to report unauthorized access or errors.

Alternatives include traditional leases, used-vehicle leases, short-term subscriptions, and membership-based exotic car clubs. These options can reduce upfront cost or ownership responsibilities depending on how often you drive and whether you want flexibility.

Clubs or subscriptions make sense if you want access to multiple models without long-term ownership costs, or if you drive infrequently and prefer predictable monthly fees that include insurance and maintenance.

Avoid underestimating total ownership costs like insurance, maintenance, and taxes. Don’t overextend on loan terms that increase total interest or carry negative equity risk. Always compare APRs, fees, and read disclosures before signing.