I have had fan for 7 years- all of a sudden it went from no noise- to having a noise. Doesn't sound like something loose in housing or wobbly- motor just making noise. Do fans need oiling? Do I need to worry about electrical issue? Replace?

What make/model is the fan?

General ceiling fan troubleshooting and help FAQ- Ceiling Fans N More (http://www.ceiling-fans-n-more.com/ceiling-fan-general-troubleshooting-and-FAQ.php)