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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.

Apply for a Stilt's loan


How to apply

You'll need to complete an online application to get a Stilt loan. To be eligible for a personal loan, you must live in the U.S. and have:

  • Your bank account in the US;

  • Personal phone number in the United States;

  • An address in the United States is in a state where Stilt is licensed to do business;

  • A valid visa is good for at least six months.

All non-US citizens and permanent residents must be prepared to produce the following documentation:

  • A photocopy of your passport;

  • A photocopy of your visa;

  • If you are a student, you will need I-20 paperwork.

Stilt personal loans are available from Monday to Friday, 8 AM to 6 PM PT. Within 24 hours, Stilt will let you know what's going on. It could be an approval or a request for more information. Again, if they approve of you, they usually put the money into your bank account in two to three days.

You can get a personal loan from Stilt online. Start by doing the following steps:

  1. Go to Stilt's website, click 'Get Started,' and fill out the required fields.

  2. A representative will contact you and encourage you to apply if you match Stilt's primary eligibility conditions.

  3. Stilt performs a soft credit pull if you have a Social Security number, goes through your finances after submitting your application, and then contacts you for a fast verification call to ensure your correct information.

  4. Stilt will give you an offer if you are authorized. Before signing, carefully read your loan terms and conditions. Stilt will make a hard credit inquiry, impacting your credit score.

  5. Stilt will transfer your money to your bank account.

After you send in your application, a loan specialist should get back to you within 24 hours to tell you what to do next. Depending on your application, they might ask you to show recent bank statements and other proof. Stilt might ask to associate to your bank account so it can see what you've done in the past. It gives its team another way to look at how you've handled your money in the past. It could help you get a bigger loan or a better rate. If you get the loan, the money should be in your bank account two to three business days after signing the paperwork.


Does Stilt make a hard inquiry?

Remember that Stilt will only check your credit if you accept and sign an offer letter. It will make a hard inquiry about your credit score from different consumer reporting agencies to see if you qualify for their loan offer. After you apply, Stilt will let you know what's going on within 24 hours. You might hear that you're accepted or that they need more information.

What credit bureau does Stilt use?

Right now, Stilt reports to Experian and TransUnion, which are two of the three major bureaus.

How long does Stilt take to verify documents?

When Stilt gets all of your documents, it usually takes 24 hours to check them. Borrowers receive a promissory note to sign once they've approved that all the information is correct. Once this is signed, Stilt will start the transfer right away.

How long before a loan hits a bank account?

The lender promises to provide you with an update on the progress of your application within 24 hours. If approved, funding usually arrives in your bank account within two to three days.

Calculate loan payments in Stilt

Stilt calculator will allow you to calculate an approximate payment schedule for the loan

Loan amount

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1000 $
35000 $
Loan term

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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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