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Additional information

Interest Rate (APR)


Loan amount


Min. credit score

6 – 24 months

Financeive’s rating



If you have an approved visa but no credit history in the United States, a Stilt loan may be worth it. Because a Stilt loan is reported to some of the major credit agencies in the United States, it can assist you to enhance credit.

Borrowers with limited access to credit might find a loan from this lender beneficial if they do not have a Social Security number or fulfill the requirements of other lenders.

You may obtain prequalification and view your estimated rate without having an effect on your credit ratings.

Stilt does not disclose upfront what its higher rates may be, so you’ll want to examine the interest rate and any other costs closely. If you decide to accept the offer, keep in mind that Stilt will perform a soft credit check before your contract is final.


You can read our full Stilit personal loan review to inform your decision-making process.


  • You don’t need collateral or a cosigner to obtain a Stilt loan. You may be approved for a loan even if you don’t have a Social Security number or credit score.
  • Stilt may assist people with bad credit histories, as well as newcomers, international students, and those with thin credit files.


  • For some people, the maximum amount of $35,000 given by a stilt may not be enough.
  • The firm, which is not a bank but rather is backed by Y Combinator and a group of investors, has seen a pause in investment since the first half of 2017.
  • Stilt Personal Loans have a 2-year time limit, which might be difficult for individuals who use the money for education and immediately afterward do not have work possibilities or a low level of income.
  • Stilt loans are not eligible for the same benefits as federal student loans, such as income-driven repayment, loan forbearance, or forgiveness.

What Is Stilt Personal Loan?

Stilt is a financial firm that caters to expatriates. Stilt’s creators established the firm to assist international students to pay for their education, but they now offer loans for a variety of reasons, including building credit.

While most lenders focus on credit history when assessing a borrower’s risk, this is not the case for recent immigrants. When ex-pats arrive in the United States, their financial history is essentially erased.

International students and other expatriates have been labeled an unacceptable risk for nearly all standard U.S. lenders if they don’t have a credit score, a history of financial conduct, or a track record of timely payments to creditors.