Non-U.S. citizen loans without cosigner

  • Better rates and no hidden fees

  • F-1, OPT, H-1B, TN, DACA and more

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Our loans are customized for high potential like you

  • 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.

How It Works

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.
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“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

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Ready to get started?

Achieve your dreams with a loan that fits your needs. Check loan options without hurting your credit score.

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Talk to our team

Feel free to reach out with questions about anything from eligibility to loan offer. We are here to help.

team@stilt.com