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Stilt Review

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Reviews 367

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Michael Graw
Michael Graw
May. 04, 20214 min read

Stilt summary

Stilt was founded to help immigrants and the underserved get the loans they need. The company works with borrowers who don’t have a social security number and who have little or no credit history. The company considers factors like your work history, education, and financial behavior to determine if you qualify. You don’t need a US citizen to cosign your loan. Stilt offers personal loans up to $35,000 and interest rates start at 7.99% APR.

Pros

  • No social security number needed
  • Does not require a cosigner
  • No prepayment penalty

Cons

  • Relatively high interest rates
  • Requires a US bank account
Stiltat a glance
3.6

Editorial score

Variety of loan types

Offers most loan types

4.0

Online experience

Has learning resources, access to rates, mobile app

5.0

Customer services and support

Multiple ways of reaching lender but limited hours

3.0

Loan amount range

Loan amount up to $35K

3.0

Repayment flexibility

Loan terms up to 36 months

3.0

Stilt  at a Glance

Direct lender or marketplace?Direct lender
Loan typesPersonal loans
Loan amount$1,000-$35,000
Repayment terms6-36 months
APRFrom 7.99%
Suitable forImmigrants without a social security number

Stilt Stilt View Rates

Suitable For?

Stilt was created to help immigrants and the underserved to get personal loans. You don’t need a social security number to qualify, and you also don’t need a US citizen or permanent resident to cosign your loan. The only requirement is that you have a US bank account, and you can sign up for one through Stilt if needed. Stilt also doesn’t require a credit history.

Range of Loans on Offer

Stilt only offers unsecured personal loans. Loan amounts range from $1,000 to $35,000. The amount you can be approved for depends on a variety of factors including your employment status, employment history, education history, and credit history.

  • Personal loans up to $35,000
  • No social security number or credit history required
  • Interest rates from 7.99% APR
  • No prepayment penalty
  • Loan terms from 6 to 36 months

Application Process & Requirements

You can apply for a loan with Stilt online. You will need to provide personal information, information about your US immigration status and visa, and information about your financial and employment histories. Stilt also runs a soft credit check, even if you don’t have a social security number. The credit check will not impact your credit score.

Stilt typically reviews applications and provides a loan offer by email within 24 hours. You can sign all necessary paperwork to complete your loan online, and funds will be transferred to your bank account in 2-3 business days.

APRs, Loan Amounts & Repayment Terms

Stilt offers loans from $1,000 to $35,000 and terms from 6 to 36 months. The amount you can qualify for depends on your work history, financial history, and education. Interest rates start at 7.99% and the maximum rate varies by state. Stilt does not charge a prepayment penalty, so you’re free to pay off your loan early to save on interest payments.

Privacy & Security

Stilt encrypts all application data with SSL (Secure Socket Layer) encryption and stores it on PCI (Payment Card Industry) compliant servers. The company never sells your information and has a clear privacy policy describing how your information is shared with third parties.

Help & Support

Stilt’s customer support team is available by phone and email from 8am to 6pm (PT) Monday to Friday. The company has a detailed FAQs page where you can find more information about the application process and loan terms.

Phone: (415) 630-2323

Email: team@stilt.com

How Stilt Compares


StiltLightstream
APRFrom 7.99%4.49%-20.49%
Minimum credit scoreNone690
Loan amounts$1,000-$35,000$5,000-$100,000
Loan term6-36 months2-7 years
Suitable forImmigrants without a social security numberLow interest rates

Stilt stands out in that it doesn’t require you to have a minimum credit score or any credit history at all. It also doesn’t require you to have a social security number to apply. 

Stilt doesn’t offer the lowest interest rates for personal loans, but the company’s rates are competitive. The maximum loan term is much shorter than that of competitors, but the maximum amount you can borrow is comparable to other personal lenders.

FAQs

Q. Do I need a US citizen to cosign my loan?

A. No, you do not need a US citizen or permanent resident to cosign a loan from Stilt.

Q. How can I get a US bank account?

A. Stilt offers fee-free bank accounts that you can open without a social security number. You can apply for an account with Stilt online. 

Q. How do I make payments towards my Stilt loan?

A. You can manage your Stilt loan and make payments through your online account. Stilt recommends setting up autopay so that you never miss a payment.

Q. I already have a loan with Stilt. Can I apply for another?

A. If you already have a loan with Stilt, you must be more than halfway through repaying your loan to qualify for a second loan. You can only have up to two open loans with Stilt at a time.

Summary

Stilt offers personal loans for immigrants and the underserved who don’t have a social security number or credit history. The company offers loans up to $35,000 with interest rates starting at 7.99% APR. You can apply online and get a loan decision in as little as 24 hours.

Physical Address

Stilt, 404 Bryant St., San Francisco, CA 94107

Stilt Stilt View Rates

Michael Graw
Written byMichael Graw

Michael Graw is a Bellingham, Washington-based writer focusing on finance, tech, and science. His work has been featured in print magazines and high-impact websites. He writes for BestMoney and enjoys helping readers make sense of the options on the market.

Stilt
Stilt
ExcellentReviews 367
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ExcellentReviews 367
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Excellent
87%
Great
5%
Average
1%
Poor
0%
Bad
7%
  • author
    Vinay Gowda
    16 hours ago
    Hustle free processing

    Thier application process is simple and I got personal loan when I most needed. Highly recommond .

    ...

  • author
    Sai Sumanth
    17 hours ago
    Overall experience is good and team is…

    Overall experience is good and team is very supportive

    ...

  • author
    KT
    21 hours ago
    The Stilt loan process

    The process to obtain a Stilt loan was straight forward and simple. Their customer service is second to none.

    ...

  • author
    Adry Orduna
    a day ago
    Easy and excellent process

    The communication with the team was really easy and all the process was clear all the time.

    ...

  • author
    Angel Uriostegui
    Jun 23, 2022
    I love Stilt

    I love Stilt, they’ve been great to me. And I’m very thankful they helped me when I needed it the most! I hope I’m doing great on my part by paying it back.

    ...

  • author
    Rajeev Singh
    Jun 23, 2022
    This is a great platform for people on…

    This is a great platform for people on H1 B. Great team to work with, easy navigation.

    ...

  • author
    Trasia
    Jun 23, 2022
    My loan with Stilt was process very…

    My loan with Stilt was process very quickly. The application process was quick and easy. The Funds were deposited within the given timeframe.

    ...

  • author
    Omos Umoru
    Jun 23, 2022
    It was a really smooth experience

    It was a really smooth experience. I was able to get the loan timely when I really needed it and the small payments made it manageable to pay it back. I personally do not think the interest was very high. I had no other option I was not eligible anywhere else so I appreciate stilt for coming through when I desperately needed it

    ...

  • author
    Jacob Phillips
    Jun 17, 2022
    Horrible

    Horrible. They treat their customers horribly. I've had 2 loans with Stilt. Every payment made on-time and even paid off the first loan early. I applied for another loan and was denied and the reason given was "insufficient evidence of future income" and "insufficient credit history". I've had the same job for over 6 years and my pay has continued to increase. Also, I've already had 2 loans with them. They are horrible to deal with and make rules up as they go. Also, don't expect to get a response from customer service quickly. It takes at least 3 days to get any sort of response. I wouldn't recommend them at all.

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  • author
    fadetoblack5
    Jun 17, 2022
    Don't trust Stilt to manage their own documents

    I had a poor experience with their blatant disregard from keeping track of documentation. I had to settle a dept since I was scammed in 2021. I began settlement when my broker sent out POA and Settlement offer forms to Stilt September 30th 2021. April 14th 2022 they accepted the settlement but misplaced the POA forms. I had to resend them. Settlement check was sent to them 4/28/22. They cashed the check 5/3/22. A month later I see a balance increase from Stilt for $767 further beating my credit rating, a dept that I already paid a month prior. Once again I had to submit proof to Stilt of the settlement they agreed to and proof they received and cashed the check. Their accounting team will need 1-2 business days review. Never trust Stilt to do their job. Always make yourself a paper trail because you might need it.

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  • author
    Jayanth
    Jun 17, 2022
    Great customer service

    Great customer service. Their process is very smooth. Was able to get my first workout education loan from them

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  • author
    Bibash Sapkota
    Jun 17, 2022
    The loan process was easy

    The loan process was easy. The customer service is helpful. Fully satisfied.

    ...

  • author
    Dinesh Namburi
    Jun 10, 2022
    Amazing lending services for…

    Amazing lending services for immigrants. Very smooth process and transparent without any hidden fees. Highly recommended. Customer is slow at times, this must be improved.

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  • author
    Navi Hehar
    Jun 09, 2022
    Pretty easy process to getting a loan

    Simple loan process, got approved in a few days.

    ...

  • author
    Владимир Липень
    Jun 09, 2022
    Terrific service

    Terrific service! Swift support for your needs.

    ...

  • author
    Tahir Kanch
    Jun 09, 2022
    Quick, efficient and helpful

    Overall experience was simple and fairly quick

    ...

  • author
    Chris T
    Jun 09, 2022
    Great quick service and communication…

    Great quick service and communication was fantastic

    ...

  • author
    Heith Pinnock
    Jun 08, 2022
    Need a loan contact Stilt now!!! Stilt is a very good financial company

    Stilt is a very good financial company, they level the playing field for immigrants and anyone overall to get a loan with little requirements and there customer’s service is among the very best. I can’t wait for my next loan approval and you can get one too, just apply at stilt. Com

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  • author
    Eswar Sagar Cheerla
    Jun 08, 2022
    Very professional and helpful

    Very professional and helpful. Excellent customer support.

    ...

  • author
    Adam Pierre OUYA
    Jun 07, 2022
    Good communication

    good communication. After signing, the funds are available in about 3 days. I highly recommend

    ...

  • author
    Sandy Karam
    Jun 07, 2022
    Very professional and helpful

    Very professional and helpful! Always ready to answer any questions and reliable. I feel very comfortable with them.

    ...

  • author
    Kavya Chandrika
    Jun 06, 2022
    The process to apply and get a personal…

    The process to apply and get a personal loan as a non US citizen was very smooth. Excellent customer support provided at all times.

    ...

  • author
    Mathew Chukwudi
    Jun 03, 2022
    I have a great experience with Stilt

    I have a great experience with Stilt. Getting a loan was very easy and smooth. They have a very good customer service. Big thanks to Stilt

    ...

  • author
    Srinivas Baskar
    Jun 02, 2022
    Excellent

    The process was smooth and easy to follow and everything has been smooth

    ...

  • author
    Flávio Henrique Matias
    Jun 02, 2022
    Great and simple process

    The process was very simple and fast. They are always following up and making sure that all my expectations are achieved. Thank you Stilt for provide a great service and help me in my financial needs!

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  • author
    Ketan
    Jun 01, 2022
    Stilt - ⭐⭐⭐⭐⭐

    Simple process to get a loan. Customer support is great and responsive.

    ...

  • author
    Guillermo Montes de Oca
    May 27, 2022
    Great!!!

    The real alternative for those of us with no citizenship. Fast, reliable simple.

    ...

  • author
    Krishna SK
    May 21, 2022
    Simply the Best!!

    Stilt helped me a great time and provided me with an opportunity to achieve my financial goals with a personal loan. Simply the Best!

    ...

  • author
    Sekhar Babu
    May 21, 2022
    Great response

    Great response

    ...

  • author
    Lesly Arana
    May 20, 2022
    Simple & Trustworthy

    I applied for a loan and had an issue with uploading some documents and they easily provided me an email to submit these documents to and walked me step by step when I had questions. Was verified quickly and have automatic payments on so I know I’ll never miss a day! Staff is also hardworking and checks in on you to make sure your experience is going good!

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  • author
    Abhishek Kumbhar
    May 20, 2022
    Very good service

    Very good service. Easy to apply. Straight forward instructions and phone assistance is also excellent.

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  • author
    Ravi
    May 19, 2022
    Good service

    Good service

    ...

  • author
    Sarath Kumar Gollamudi
    May 18, 2022
    Fast & Easy Process

    Fast & Easy Process

    ...

  • author
    saketh reddy
    May 18, 2022
    Excellent staff

    Excellent staff. Process was really easy. The interest rate is also very less.

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  • author
    Maheshwar
    May 17, 2022
    Overall process was good

    Overall process was good. Just felt they could get response faster ( Coustmer service ).

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  • author
    lalithkumar laith
    May 16, 2022
    I have a great experience with Stilt

    I have a great experience with Stilt. Getting a loan was very easy and smooth. They have a very good customer service. Big thanks to Stilt

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  • author
    Bhavna Singh
    May 14, 2022
    I have taken quite a few loans from…

    I have taken quite a few loans from stilt. Always helped me when in need!! They don’t have any crazy processing fee like the others. Overall I am very happy 😃

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  • author
    Bishwas Mishra
    May 14, 2022
    Quick and easy

    Quick and easy. Great help to struggling student like me.

    ...

  • author
    Bashar Abu-Laban
    May 13, 2022
    Very transparent

    Easy to work with, straight forward, and transparent.

    ...

  • author
    nikhil kandukuri
    May 12, 2022
    A big thank you for your help

    A big thank you for your help, it was quick. You helped me when I am in need, love stilt

    ...

  • author
    A Anand
    May 12, 2022
    Service a trust so I went back for a second loan!

    This is my second loan with Stilt and I am very happy with the way things are going. I find the communication with them to be very courteous and prompt. From my research they definitely have the lowest interest available. The application and approval process was also made very simple and user-friendly online thank you

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  • author
    Mayara Tabone
    May 11, 2022
    Smooth process

    Smooth process. Easy communication

    ...

  • author
    Thota Swarna prakash
    May 10, 2022
    Excellent service !

    Excellent service !

    ...

  • author
    Mary Napolitano
    May 10, 2022
    Stilt was very excellent in getting…

    Stilt was very excellent in getting things done. They stayed in touch and were true to their word. Great customer service and customer care.

    ...

  • author
    Nihar Reddy
    May 09, 2022
    Great customer service ✌️✌️✌️

    Great customer service ✌️✌️✌️

    ...

  • author
    Manikanta boddu
    May 09, 2022
    Good Customer service

    Good Customer service

    ...

  • author
    Vineet
    May 07, 2022
    Great customer service

    I had a great experience with Stilt and love their overall process - which was smooth. The whole communication happened via app and they gave me the best rate in the market.

    ...

  • author
    Srujan
    May 07, 2022
    Excellent Service

    Excellent Service

    ...

  • author
    arun prakash devarajan
    May 06, 2022
    Excellent service

    Excellent service

    ...

  • author
    Rakesh K
    May 04, 2022
    Excellent service.

    Excellent service.

    ...

  • author
    Rachana
    May 04, 2022
    The entire process was smooth

    The entire process was smooth. I was askes for the documents. Once I uploaded them they reviewed it and approved me for the loan amount that I requested. Would 100% recommend for others as the interest amount is low and the process is smooth.

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  • author
    Konakanchi Ramakrishna
    May 02, 2022
    Great place for immigrants to get…

    Great place for immigrants to get personal loan very easy and fast

    ...

  • author
    Janaat Vijayakumar
    Apr 29, 2022
    The entire process was very smooth and…

    The entire process was very smooth and fast with Stilt. They have a good customer support and are quick to respond to any questions we have.

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  • author
    Kranti kumar Reddy
    Apr 27, 2022
    User Friendly app easy navigation to…

    User Friendly app easy navigation to request loan and do the payment.

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  • author
    V McPherson
    Apr 27, 2022
    Great app experience

    Easy to use app for modern, mobile efficiency.

    ...

  • author
    Rachel Aitaru
    Apr 26, 2022
    I got my loan with ease and faster than…

    I got my loan with ease and faster than I expected. Their customer care is also very efficient in case you are having any problems or questions to ask.

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  • author
    Aditya Tungaturthi
    Apr 26, 2022
    Quick and fast with good customer…

    Quick and fast with good customer service.

    ...

  • author
    Chester John Pasco
    Apr 22, 2022
    Fast process with excellent customer service

    Stilt has been very helpful to me when I needed financial assistance! The whole process is si fast and you would definitely come back! Stilt has excellent customer service — you will surely feel loved and valued as a client!

    ...

  • author
    Karuna Cogniphi
    Apr 20, 2022
    I truly appreciate the stilt team on…

    I truly appreciate the stilt team on processing my loan quickly and efficiently. The best in providing loans without any hassle.

    ...

  • author
    Venkatesh Javvaji
    Apr 19, 2022
    Great Experience

    The process was very smooth. There was no long wait times to talk to them. Money was credited instantly after approval. Overall, I recommend stilt if you’re looking for low interest loans.

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  • author
    Shweta
    Apr 19, 2022
    It has been a really nice experience

    It has been a really nice experience. The application process is very easy and I got instant help with one error that I was facing.

    ...

  • author
    Sriram Medisetti
    Apr 18, 2022
    Very good service

    Very good service , they processed loan very quickly without any delay.

    ...

  • author
    Chaitanya Naga Venkata Melimi
    Apr 18, 2022
    Great lender

    Great lender with hastle free process. I took a personal loan 3 times with a very low interest and Stilt team is very professional throughout the process. I strongly recommend Stilt.

    ...

  • author
    Hritik Raj
    Apr 15, 2022
    Excellent support

    Excellent support

    ...

  • author
    Bhushan Bhor
    Apr 15, 2022
    Great and easy way to get loan

    Great and easy way to get loan, this surely helps international students like us. Will recommend it to all the close ones.

    ...

  • author
    Hiral Vyas
    Apr 14, 2022
    Hassle-free loan experience

    Requesting a loan is not an easy process. It comes with a lot of documentation and patience. But I can say now that stilt has changed my entire experience.They have simplified the whole process making it smooth, hassle-free and very quick. If you upload proper documents then your loan can be approved in a day talking from personal experience.

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  • author
    Raju Bvj
    Apr 14, 2022
    Process is quick

    Process is quick, easy and straightforward. Just uploaded the required document and got the decision quickly.

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  • author
    Marc
    Apr 11, 2022
    This company is pretty solid

    This company is pretty solid. Very fair rates and easy application process. I highly recommend them!

    ...

  • author
    sandeep nuthi
    Apr 11, 2022
    My loan approval process went well

    My loan approval process went well, through my mobile. I really appreciate it.

    ...

  • author
    Jaskirat Arneja
    Apr 11, 2022
    Very good service and rate

    Very good service and rate

    ...

  • author
    Fuzlin Chinotimba
    Apr 11, 2022
    Great service

    Great platform for Visa holders. Team is very responsive and processing time is very reasonable. Highly recomment

    ...

  • author
    Chandu enam
    Apr 06, 2022
    Waste service

    Waste service, I paid of my loan amount completely 5months back but still they didn’t even update with credit report, still they are saying 60-90 days again to update that means I should wait total 7 months to wait the my report update. very disappointed with customer service answers. Really these guys are very shameless. These are very nasty people.

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  • author
    Eduardo Oliveira
    Apr 04, 2022
    They was fantastic

    They was fantastic. I really recommend.

    ...

  • author
    Arun Consultant
    Apr 04, 2022
    Stilt highly recommended Loan service

    The loan process was smooth and fast. Paying back is easy and seamless. More immigrants like me need to know about Stilt. It is amazing!

    ...

  • author
    Darren L
    Mar 31, 2022
    Service above the rest.

    I’d highly recommend STILT if you’re ever in need of a small loan, they were very efficient, NO Hassle, money in my account in a jiffy.

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  • author
    Shatoya
    Mar 31, 2022
    Highly recommend!

    Stilt has helped me a lot! I needed a loan to help pay towards some bills and they got me approved fast! The communication was good and they’ll work with you with payments!

    ...

  • author
    Mohammed Marshall Musah
    Mar 30, 2022
    Stilt has saved me twice

    Stilt has saved me twice, one for my tuition and another personal loan, as an immigrant it was difficult till I discovered stilt. They are truly friends with immigrants.

    ...

  • author
    Ejiro Esiri
    Mar 30, 2022
    New to the US and needed a loan

    New to the US and needed a loan. They are really particular about your documents and want you to provide a lot which shouldn’t be a problem as long as you have them. The loan process was smooth and fast. Paying back is easy and seamless. More immigrants like me need to know about Stilt. It is amazing!

    ...

  • author
    vasanthi navuluri
    Mar 30, 2022
    Very helpful when your credit goes down…

    Very helpful when your credit goes down and when are the bank doors are shut. Very simple process and easy to use the mobile app. Interest is little but worth it in emergency. This was the only place for me to go when all my banks stood back.

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  • author
    Yasin sekerci
    Mar 28, 2022
    Extremely helpful staff!!

    Extremely helpful staff!!

    ...

  • author
    view theworld
    Mar 27, 2022
    One of the worst loan platforms

    One of the worst loan platforms, I had all the documents requested, it stated that there will be no hard pull on credit until offered the loan, not only was my loan application rejected they did a hard pull on credit.

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  • author
    Thiago Santos
    Mar 25, 2022
    Perfect

    Perfect, very simple!

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  • author
    sushant narang sush
    Mar 25, 2022
    It was quick and easy.

    It was quick and easy.

    ...

  • author
    belli bhasker
    Mar 25, 2022
    Stilt services are great and the UI is…

    Stilt services are great and the UI is user friendly. The process is more simple than any other services and also more efficient. You don’t have to use lens to get loans with stilt😊.

    ...

  • author
    Niurka Charles
    Mar 25, 2022
    Excelente Stilk Me solucionó

    Excelente Stilk Me solucionó, recibí mi préstamo y hago mi pago mensual por 12 meses, muy buena aplicación se las recomiendo

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  • author
    Robert Weatheral
    Mar 24, 2022
    Loan was processed as promised

    Loan was processed as promised, customer service was very helpful. Highly recommend Stilt.

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  • author
    Chris
    Mar 24, 2022
    Very simple & straight forward process…

    Very simple & straight forward process with no hassle. Reasonable rates. Got my loan approved and money in my bank account really quick. Would recommend.

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  • author
    Adedamola Oni
    Mar 23, 2022
    My experience with stilt was pleasant

    My experience with stilt was pleasant. The customer service was top notch too.

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  • author
    Pavana Pradeep
    Mar 23, 2022
    I have been working with Stilt since 2…

    I have been working with Stilt since 2 years and the process is hassle free, very easy to follow steps. Customer support is attentive. Overall my experience with Stilt is great!

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  • author
    Louie Balbuena
    Mar 23, 2022
    My experience with Stilt has been amazingly positive

    My experience with Stilt has been amazingly positive. You guys have been very helpful. I truly appreciate it. Thanks again! - Louie

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  • author
    Angelica Hernández
    Mar 22, 2022
    Very easy and helpful

    Very easy and helpful, thanks for a good services

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  • author
    Khaled HAMDANE
    Mar 21, 2022
    Perfect experience

    Easy, fast and hassle free! Will do business with them again. Thank you Stilt

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  • author
    Leigh
    Mar 18, 2022
    Awesome

    A great option for non immigrant who is just starting. I don’t have any credit history since I came in the US as an H1B visa. Can’t get any loan but stilt provided me with the loan that I needed. Everything was done online. Transactions were smooth and costumer support was very friendly and answers my inquiries.

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  • author
    Vijay Kumar Reddy Vongeti
    Mar 18, 2022
    Fast process

    Fast process, responsive and friendly staff. Good choice for Non-Immigrants

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  • author
    Alex
    Mar 18, 2022
    Awesome company!

    Pretty well rates. Fast, simple and understandable. They are loyal to immigrants unlike most banks

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  • author
    Srikanth k
    Mar 18, 2022
    Easy and hassle free application…

    Easy and hassle free application process.big👍

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  • author
    Cogitater Sigauke
    Mar 17, 2022
    Very reliable and professional

    Very reliable and professional

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  • author
    Alien Kettle Music
    Mar 17, 2022
    Very good in initiating the process is…

    Very good in initiating the process is also fast

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  • author
    SAI KRISHNA MALLAVARAPU
    Mar 16, 2022
    Fast easy and convenient

    Fast process, responsive and friendly staff. Good choice for Non-Immigrants

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  • author
    Shay
    Mar 16, 2022
    Little Skeptical BUT Best Loan Ever

    I was a little skeptical of using Stilt. However, I had a great experience. The team was responsive throughout during every phase of the process. I could submit questions and receive a response the next day. The best tool was the APP. It is quite nimble but provides all the information you need. Will use then again if needed.

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