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.
Wells Fargo Personal Loan
Updated 1 month agoAPR Range
6.74–25.99%
Amount
$3k–$100k
Term
12–84 months
Type
personal
You'll be redirected to wellsfargo.com
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
Requirements
- SSN or ITIN accepted
- Must be existing Wells Fargo customer
- Minimum 660 credit score
- US address
- Stable income
Similar options
APR
8.99–35.99%
Amount
$5k–$50k
Term
24–60mo
Best for: Immigrants with SSN and established credit (620+) looking for larger loan amounts
Affirm Pay Over Time
PersonalAPR
0.0–36.0%
Amount
$50–$17.5k
Term
3–60mo
Best for: This service is best for those seeking interest-free payment options and a straightforward repayment process without hidden fees.
SoFi Debt Consolidation Loan
ConsolidationAPR
7.74–35.49%
Amount
$5k–$100k
Term
24–84mo
Best for: This loan is ideal for borrowers with a solid credit score looking to simplify their payments without incurring additional fees.
APR
7.74–35.99%
Amount
$1k–$75k
Term
24–84mo
Best for: Immigrants with fair or bad credit who need flexible approval requirements, or newcomers applying with a US-based cosigner
APR
11.99–35.99%
Amount
$1.5k–$30k
Term
24–60mo
Best for: Immigrants needing larger loan amounts ($5,000+) who can visit a branch in person
APR
6.53–35.99%
Amount
$1k–$40k
Term
24–60mo
Best for: Immigrants who have a US-based cosigner or spouse willing to co-borrow, or permanent residents with established banking relationships