How it Works

We extract hundreds of more nuanced factors from the data and use machine learning and statistical models to determine the lowest interest rate.

Get Started
  • Submit an Application

    Submit an Application

    After you have submitted a complete loan application with us, we will send you an update within 24 hours. If we require more information we will reach out and schedule a quick verification call with you.

  • Receive an Offer

    Receive an Offer

    After we have received and verified these documents, we will send you a promissory note to sign. After signing we will initiate the transfer – which usually takes 2-3 business days for it to reflect in your account.

  • Start Making Payments

    Start Making Payments

    After the loan has been disbursed, you can schedule payments through your account. Setting up autopay is easy and only takes a minute. You can also pay off the loan at any time without a prepayment penalty.

What We Look For

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

Our Criteria
  • Current employment or employability
  • Education
  • Financial Behavior
  • Defaults, Collections, or Bankruptcies
  • Credit Check or Credit Score

Current Employment or Employability

If you are currently employed full time or have a job offer that you’ve accepted, it is a strong positive for your application. It shows that you have the ability to pay a loan. If you don’t have a current job offer, we look for clear signs of employability in the near future. The higher your chances of employability, the lower your risk.

Current Employment or Employability


A good education and work experience increase your chances of employability (including GPA). We look at your educational and professional background in detail using our data models.


Financial Behavior

This is the second most important aspect we look at. If your spending and saving behavior has been good without any hiccups, it is considered positive for your application. We are trying to understand how you manage your expenses month to month. This is both for debit and credit accounts.

Financial Behavior

Defaults, Collections, or Bankruptcies

These are extremely important factors of credit risk. If you have previous accounts in default or collections, they can have a significant negative impact on your overall application. We understand that there could be smaller issues with retail cards like Macy’s, JC Penney, and others. Defaults on these may be acceptable depending on the circumstances and may not impact your chances of getting a loan significantly.

Defaults, Collections, or Bankruptcies

Credit Check or Credit Score

We do a soft credit pull for every applicant (even if you haven’t had any credit or don’t have an SSN). This is a standard in the industry and required by credit bureaus. Also, we need to make sure your credit history is sound (however limited it may be).

Credit Check or Credit Score

Who We Serve

Stilt is built for all kinds of visa holders, immigrants, non-U.S. citizens and the underserved.

  • CPT


  • Optional Practical Training

    Optional Practical Training


  • Specialty Occupations

    Specialty Occupations


  • Extraordinary Ability

    Extraordinary Ability


  • Intracompany Transfer

    Intracompany Transfer


  • NAFTA Professionals

    NAFTA Professionals


  • Cultural Exchange

    Cultural Exchange


  • Childhood Arrivals

    Childhood Arrivals


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.

  • 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.

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.
Ready to Get Started?