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%
Representative APR Amount Term Type
6.74–25.99% $3k–$100k 12–84 mo personal
Best For

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

Pros & Cons

Pros
  1. ✓ Accepts ITIN — no SSN required
  2. ✓ No origination fee
  3. ✓ Competitive APR from 6.74%
  4. ✓ Loans up to $100,000
  5. ✓ Same-day funding possible
  6. ✓ Major bank stability and infrastructure
Cons
  1. ✗ Must be existing Wells Fargo customer
  2. ✗ Minimum 660 credit score required
  3. ✗ Not available to non-customers
  4. ✗ Branch network may be limited in some areas

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