Loans for immigrants and the underserved

Better rates and no hidden fees
F-1, OPT, H-1B, TN, DACA and more

A better way to build and access credit

No SSN. No Problem.
If you’re new to the U.S. and don’t have an SSN yet there is no need to worry, you are still eligible to apply.
No Cosigner Required
We make decisions based only on your merit and do not need a U.S. citizen or a permanent resident cosigner.
Low Interest Rates
We look at your education, work experience, income, and financial behavior to give you lower rates.
No Prepayment Fees
Feel free to pay as early as you want. We don’t charge any prepayment fees. You save interest with prepayments.

Get a Loan from Stilt

A loan designed for immigrants, international students, visa holders, and the underserved. The application process is simple and you get a decision in 24 hours.

Checking your rate doesn’t impact your credit score
No cosigner required
Rates starting at 7.99%

Apply Today

Build Your Credit

Building credit should be free and everyone’s right. That’s why we built a simple way to improve/build credit without fees or hassle.

Manage and pay bills with Stilt.
We report these bill payments to credit bureaus.
No credit check required.

Apply Today

“Stilt was so helpful and online chat was very responsive

This outstanding speed of application processing made the money fall into my account in 2 days time.”

Fryderyk Doerffer

July 2016

Frequently Asked Questions

Do you still have questions?
We’re here to help.

Contact Support

What is Stilt?
Stilt Inc. is a financial technology company located in San Francisco. We are revolutionizing the way individuals build and access credit. We help people with limited or zero credit history in the U.S.
What interest rate will I get?
Our minimum APR is 7.99% and the maximum APR depends on your state. Your exact rate will depend on your creditworthiness and can only be known after you apply for a loan.
What is the eligibility criteria for Stilt loans?
The minimum eligibility criteria is - you have to be physically present in the U.S. with a U.S. bank account in your name and a U.S. address.
Can international students get a personal loan?
Yes, we give loans to students on F-1 visa irrespective of the semester. We also give loans to students enrolled in Day 1 CPT programs.
Will checking my rate impact my credit score?
No, we do only a soft pull to give you a rate. This will not impact your credit score. We will only do a hard pull after you accept the loan.
Can I apply for a loan without an SSN?
Yes, if you don't have an SSN, you are still eligible to apply. We are focused on helping non-U.S. citizens get a loan that they deserve.
Can I get an international loan?
We offer loans to US immigrants, international students, visa holders, and the underserved who meet our minimum eligibility criteria. No cosigner required.
What are the interest rates on international student loans?
The same as regular loans - starting at 7.99% APR. Many Stilt customers use this to refinance their student loans, buy/lease a car, or relocate to a new job.