Loans for immigrants and the underserved

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.

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

The account designed for immigrants, and visa holders. You can sign up from the comfort of your home.

We believe you are more than your credit score. We look at all indications of financial responsibility.

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

Fryderyk Doerffer

July 2016

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

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.
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, visa holders, and the underserved who meet our minimum eligibility criteria. No cosigner required.
What are the interest rates on international loans?
The same as regular loans - starting at 7.99% APR. Many Stilt customers use this to refinance their international loans, buy/lease a car, or relocate to a new job.