Wells Fargo Personal Loan
Wells Fargo
Expert VerdictA 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 | Cons |
|---|---|
| Accepts ITIN — no SSN required | Must be existing Wells Fargo customer |
| No origination fee | Minimum 660 credit score required |
| Competitive APR from 6.74% | Not available to non-customers |
| Loans up to $100,000 | Branch network may be limited in some areas |
| Same-day funding possible | |
| Major bank stability and infrastructure |
Honest take
If you already bank with Wells Fargo and have an ITIN, this is likely your best deal. No origination fee and competitive rates. But you can't just walk in off the street — the existing customer requirement is firm.
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.
