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Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.



About lender

Stilt personal loans offer transparent and reasonable means for international students, visa holders, DACA recipients, and refugee and asylum seekers to achieve their financial goals for various financial requirements. Stilt also provides student loan refinancing to F-1 visa students and student loans to F-1 and OPT visa students who work part-time.

People living and working abroad can get a private personal loan from Stilt. The company helped international students pay for their education. They now lend for a variety of purposes to build credit. Stilt is an online lender that gives loans to immigrants and other groups that don't get enough help. It is one company that provides loan options for people with bad or limited credit scores. You may have better loan terms if you have a good credit score.

Pros and cons


  • No collateral or cosigner is required to be approved in Stilt loans;

  • You can still get a personal loan even if you don't have a Social Security number or credit score;

  • Stilt personal loans can help persons with a bad credit score;

  • There are no prepayment fees;

  • Serves a variety of visas, including F-1, OPT, H 1B, TN, and DACA.


  • Processing an application could take up to 24 hours or more;

  • Not clear about the full range of rates of interest;

  • Students who take out private student loans to pay for school don't get the same benefits as those who take out federal student loans;

  • Limited availability;

  • Only 36 months at the most.

Terms and conditions

Stilt personal loan amount range from $1,000 to $35,000. Loan terms can be as long as 36 months. No prepayment penalties are required, so you can pay off your loan early without paying hidden fees and save on interest. If you want to work for Stilt, you don't need a Social Security number or a green card. People with DACA and the following types of visas can apply for a loan: CPT, OPT, H-1B, O-1, TN, J-1, and L-1.

Stilt doesn't list all its interest rates, so the interest rates are not precise if you don't have good credit. The lender also charges an origination fee. Getting the best rates depends on your current employment, education, and visa status.

But if you accept a Stilt loan offer, one or more consumer reporting agencies will have to make a hard inquiry. Your credit score could go down after a hard inquiry. If you could borrow $10,000 for 18 months at an APR of 13%, your monthly payment would be $614.48. There is no need for a down payment. In Georgia, the minimum loan amount is $3,001. In California, the minimum loan amount is $2,600. And in Massachusetts, the minimum loan amount is $6,001.

Funding a loan

Stilt transmits payment history to most major credit bureaus. Thus, it may help you develop favorable credit scores in the United States if you make payments on time and in full. On request, credit reporting agencies keep separate credit records on each individual. During the application process, Stilt personal loans need you to connect to your bank account so that it can check your future income.

The Stilt loan approval takes up to 24 hours. If you get approved, the money should be in your bank account in two to three days. Stilt only offers personal loans in 16 states: Arizona, California, Florida, Georgia, Illinois, Texas, Utah, Washington, Wisconsin, Massachusetts, Michigan, New Jersey, New York, Ohio, Pennsylvania, and Virginia. If you are not a US citizen but studying in the US, Stilt will only lend you up to $5,000.



Is Stilt a legitimate company?

Yes, Stilt Inc. is a legitimate online lender. It is a Finetech company based in San Francisco with a secure website. The Better Business Bureau has also given Stilt an A+ reviews rating without third-party advertisers. Opinions expressed by borrowers revealed that their policy is easy to find and read. Stilt reviews also scored 4.6 in Trustpilot.

What is a stilt loan?

Stilt personal loans offer personal loans to immigrants and the "underserved" in the United States. You do not need a Social Security number or credit history to apply. On the other hand, Stilt only lends in a few states and isn't open about its full scope of interest rates and other trademarks.

Are stilt loans only for immigrants?

Stilt is a financial service provider designed to make it easy for immigrants, visa holders, DACA holders, refugees, and people seeking asylum in the U.S. to get loans. Stilt gives loans to immigrants, international students, and people with a short credit history.

Company documents

Privacy Policy
Terms of Service

Stilt is a mission-driven fintech company focused on providing credit to immigrants and the underserved in the United States.

© Stilt

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What to focus on before applying for a loan with Stilt

To ensure the lender is legitimate, check if it meets the following criteria:

How do you know if a loan company is registered?

The lending company is registered with the US Securities and Exchange Commission (SEC) and has a tax identification number (EIN). Note that tribal lending companies operate under the jurisdiction of tribal laws, and they don't have to register with the SEC. But still, tribes must act under federal consumer protection laws enforced by the Consumer Financial Protection Bureau (CFPB) and Federal Trade Commission (FTC).

According to the FTC requirement, the lending company is registered in your state, excluding tribal lenders abiding by tribal and federal laws only. That is why tribal lending companies can charge interest rates exceeding your state's maximum.

Finally, the State Attorney General can verify the registration of the lending company if you need additional proof of whether it is legitimate.

If a US lending company scams you, please report to local law enforcement, your state attorney general, CFPB, or FTC.

Finanso® also recommends

Learn the total cost of a loan, including:

It will be best to read a loan agreement carefully before signing it. If any part of the agreement seems incomprehensible, do not hesitate to ask the lender about particulars.

Remember that you don’t have to make an immediate decision when considering getting a loan. However, you must be sure that you are ready to repay following your loan documents. If the lender’s terms and conditions are uncomfortable for you, you are free to search for another proposal, as there are about 780 lending companies in the US.

What’s the difference between Stilt and a bank?

  1. You need to have a good credit history to qualify for a credit card with a bank. In contrast, even bad credit history debtors can borrow money from US lenders with personal or payday loans. 
  2. Interest rates and annual percentage rate for a loan with an online lending company are significantly higher than with a credit card released by a bank.
  3. Applying for an online loan with a lending company doesn’t require paperwork or even visiting their office. Instead, a borrower can apply entirely online and receive money via direct deposit on the next business day.
  4. The online lending business is high-risk for investors, and their capital is not protected from unfair borrowers.
  5. A loan with legitimate loan companies for bad credit is a simple but expensive form of borrowing to resolve financial hardship.
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