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None. On XXXX / XXXX / XXXX I sought information online from my current bank ( Wells Fargo ) regarding terms of a personal loan. The information on their website offered a screen to enter the amount of loan and term ( years ) of the loan to identify an interest rate based upon my input. The rate provided for a my {$10000.00} 48 month loan returned 7.992 %. It displayed a caveat that it was subject to " excellent credit history and ability to repay the loan. ". I then applied online for the loan. Within a hour I received an email response saying the loan was approved ; however the interest rate for the loan was 12.004 %. I then called Wells Fargo at XXXX ( number on the loan application response ), to talk with a service agent as to why there was a 33 % increase regarding in the i