Get Credit. Build Credit.
Instant Approval up to $5,000
International students, U.S. Citizens, and more
A loan designed to help you build credit in the U.S.
No SSN. No Problem.
If you’re new to the U.S. and don’t have an SSN yet, you are still eligible to apply.
No Cosigner Required.
We make decisions based only on your merit and we never ask for a cosigner.
Use for Anything.
Your credit builder loan can be used for text books, a cell phone plan, a car, and more!
Start building U.S. credit today and get easier access to rentals, other lines of credit, and more!
See How it works
What We Look For
We believe you are more than your credit score. We look at all indications of financial responsibility.
Current employment or employability
Soft Credit Check (for applicants with credit history)
Defaults, Collections, or Bankruptcies
“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.”
Ready to get started?
Achieve your dreams with a loan that fits your needs. Check loan options without hurting your credit score.
Talk to our team
Feel free to reach out with questions about anything from eligibility to loan offer. We are here to help.