<prompt> Human: Hello rpersonalfinance. First time posting here. Mostly a reddit lurker. My apologies if my post is flawed right out the gate ;My fiancée is about to apply for a 20,000 personal loan to help pay for our wedding and also eliminate my credit card debt. She has a good credit score 812, all her credit cards are paid off, and earns about 70k a year. She has been banking with Wells Fargo for many years and from what shes read online, they will give her a competitive rate based on her history with them. Theres lots of online lenders out there of course but she is wondering if her best course of action is to walk into her local branch and play hard ball with them on her rate, or should she stick to the online method andor consider a different lender entirely? Anyone with experience here- Your input would be much appreciated.  <response>: A wedding is just like taking 200 friends out to dinner. Would you take a loan for that? 