Loans for immigrants and the underserved

Loans for immigrants
and underserved

  • No SSN or credit history required
  • No cosigner required
  • No prepayment fees
  • Check rate with no impact on credit score

F-1, OPT, H-1B, TN, DACA and more

We use artificial intelligence to provide loans for immigrants

Get a fair loan
designed for immigrants and underserved


of loans given


customers served


countries our clients came from

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Checking your rate is free and won't impact credit score

Set up your loan

  • 24 hours decision
  • No SSN or credit history required

Loan term (months)

Your monthly payment


Avg. APR 7.99%

The offer might have a different amount, term, or APR depending on approval criteria.

Get a loan
in 4 easy steps

  1. 1

    Submit an application

    Fast and easy — just fill out a form on our website.

  2. 2

    We verify your information

    We will check your application and send you an update within 24 hours.

  3. 3

    Receive an offer

    We will send you a promissory note to sign. With no hidden fees.

  4. 4

    Get your funds

    Most of our borrowers receive funds the next business day.

Be eligible without SSN or credit history

Be eligible without SSN or credit history

We look at the holistic profile of individuals and do not rely only on traditional credit history.

  • Current employment or employability
  • Education
  • Financial Behavior
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Be eligible without SSN or credit history

Build your credit score

We report your payments to credit bureaus every month.

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Be eligible without SSN or credit history

Pay early without any extra cost

No prepayment penalty for early payment, pay as soon as you want.

  • Fast & easy
  • Early loan repayment
  • No fees
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Excellent on Trustpilot

Based on 144 reviews

Available on mobile

Available on mobile

Stilt is a fast and secure mobile app that lets you transfer money anywhere you go

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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.