Loans for immigrants and the underserved
Rates starting at 7.99%
Checking your rate doesn't impact your credit score
F-1, OPT, H-1B, TN, L-1, and more
We make decisions based only on your merit and do not need a U.S. citizen or a permanent resident cosigner.
We report all payments to major credit bureaus. On-time payments will help you build credit and improve your credit score.
We look at your education, work experience, income, and financial behavior to give you lower rates.
Feel free to pay as early as you want. We don’t charge any prepayment fees. You save interest with prepayments.
We believe you are more than your credit score. We look at all indications of financial responsibility.
Even though I had no co-signer or collateral, I could still borrow money through Stilt.”
Jan 2016Read More
Do you still have questions?
We’re here to help.
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.
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.
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.
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.
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.
We offer loans to US immigrants, visa holders, and the underserved who meet our minimum eligibility criteria. No cosigner required.
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.
Achieve your dreams with a loan that fits your needs. Check loan options without hurting your credit score.
Feel free to reach out with questions about anything from eligibility to loan offer. We are here to firstname.lastname@example.org