Wells Fargo Personal Loan

Wells Fargo is one of the few major banks accepting ITIN for personal loans, offering competitive rates with no origination fee — but only for existing customers.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Accepts ITIN — no SSN required ✓ No origination fee ✓ Competitive APR from 6.74%
Wells Fargo Reviewed

Wells Fargo Personal Loan

Updated 1 month ago

APR Range

6.74–25.99%

Amount

$3k–$100k

Term

12–84 months

Type

personal

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Our Verdict

A strong option for immigrants who already bank with Wells Fargo. The ITIN acceptance sets it apart from most big banks, and the 6.74% floor APR with zero origination fee is hard to beat. The catch: you must be an existing customer.

Best For

Existing Wells Fargo customers who have an ITIN and at least fair credit

Pros

  • Accepts ITIN — no SSN required
  • No origination fee
  • Competitive APR from 6.74%
  • Loans up to $100,000
  • Same-day funding possible
  • Major bank stability and infrastructure

Cons

  • Must be existing Wells Fargo customer
  • Minimum 660 credit score required
  • Not available to non-customers
  • Branch network may be limited in some areas

About This Loan

Wells Fargo is one of the few major banks accepting ITIN for personal loans, offering competitive rates with no origination fee — but only for existing customers.

Requirements

  • SSN or ITIN accepted
  • Must be existing Wells Fargo customer
  • Minimum 660 credit score
  • US address
  • Stable income

Check if you qualify

Check eligibility →

You'll be redirected to wellsfargo.com

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