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Stilt Review

Reviews 537
Stilt
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Stilt
Stilt
Excellent
Reviews 537
Michael Graw
May. 05, 2021
2 min read
Michael Graw
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

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 by
Michael 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.
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Trustpilot reviews
See what some costumers are saying about Stilt
Stilt
Excellent
Reviews 537
on
Excellent
90%
Great
4%
Bad
6%
M
mansour fall
10 months ago
Getting a loan with Stilt went very…
Getting a loan with Stilt went very easily by just applying online and I received a decision within minutes . I really appreciate the loan much needed at that time . Thanks and keep up the good work !
A
ananth pharma
a year ago
Most Helpful
This is an amazing company and helpful to immigrants. The loan process is very easy and minimum documents are required and approval is so fast.
V
vaishnavi yellutla
a year ago
Very quick and easy
Very quick and easy, hassle free and super flexible. I love their service, I’m on my second one from them.
T
tc smith
a year ago
Stilt was fast and efficient and very…
Stilt was fast and efficient and very easy to work with with getting money. The payback process was seamless and they worked with me when any hiccups came up. I will do business with them again
n
nataraj goud
a year ago
Excellent throughout the process
Excellent throughout the process
P
praveen karkhile
a year ago
I had excellent experience with stilt…
I had excellent experience with stilt right through the process while applying and during the term . The process was smooth and fast , customer service was great.
S
s k n
a year ago
Smooth and easy process.
Smooth and easy process. Best interest rates on loans.
S
sandeep
a year ago
It was good experience with stilt
It was good experience with stilt
P
phani
a year ago
Very good service from Stilt
Very good service from Stilt. Quick and easy process for application processing and amount disbursal. Only drawback is.. it is available only in selected states.
T
tarun mittal
a year ago
Wonderful experience
Wonderful experience. Entirely digital and seamless as well. These folks helped me when I needed it the most. Thank you Stilt!
F
franco mirolo
a year ago
Excellent company!
I got a loan on 2021 to purchase a car while on a student visa. The application process was fast, I was approved for the loan within 24 hours, and the loan got disbursed on my account the day after. So far, my experience with Stilt has been great!
T
taylor ben
a year ago
Glad I found Stilt
Glad I found Stilt! As an immigrant with not much of credit history and waiting for a green card no banks agreed to give me a loan but stilt did. It wasn’t the amount I hoped for but it was definitely a big amount of money they approved me for. The process was very quick and I received the money in days. Highly recommend this company. Thank you Stilt!
S
sp mangat
a year ago
Trustworthy Lender for New Immigrants
I have had great experience with Stilt. I needed a lender to trust me so that I could start building my credit in the US. They approved me for an unsecured loan. The whole process was extremely smooth and hassle free. It’s been more than 12 months now since I’ve been dealing with Stilt. No complaints so far. I highly recommend Stilt to new immigrants and first time borrowers. If you are looking for a trustworthy lender, don’t look any further. Go with Stilt
D
diego s
a year ago
Great place to get a loan as an Immigrant!
Applied for a loan as a DACA holder, and I was approved in less than a week! It only took a couple days after approval to have the funds in my account. Customer service is great, they make sure you understand all the terms and they are willing to help you throughout the process.
M
myrtle valpoort
a year ago
Great communication and speedy support
Great communication and speedy support. Very grateful for their services and I’ve had no complaints over the years.
A
anna khlyzova
a year ago
Perfect experience
I took a personal loan for 18 months. Their stuff supported me throughout the entire time.
K
khaled
a year ago
Stilt is a great lender for immigrants
Stilt is a great lender for immigrants. They helped me multiple times during my journey in the USA. I completed my education and got a nice full-time job now. I believe without Stilt help I won’t be able to achieve this!
M
mahmood khan
a year ago
Wonderful experience
Wonderful experience Smooth process, fast disbursement.
N
nandan reddy
a year ago
Great experience and quick response…
Great experience and quick response with easy of access
A
avinash n
a year ago
Extremely reliable and quick processing
Extremely reliable and quick processing
V
vignesh jeyaraman
a year ago
Extremely seamless experience!
Extremely seamless experience! Prompt communication and fast approvals!
H
haran pradeep chidambaram
a year ago
Very good and prompt service
Very good and prompt service
C
chester john cabrera
a year ago
Very much appreciated
Very much appreciated, Stilt is reliable and fast approval.
J
joy
a year ago
The loan application process is simple…
The loan application process is simple and straightforward. I appreciate how quickly they respond to questions too.
B
bineyam lemma
a year ago
Fast
Fast, simple and smooth
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humberto romero gonzalez
a year ago
Very well personalized service.
Very well personalized service.
R
ripul thakur
a year ago
Stilt is amazing
Stilt is amazing! Very good customer service and response time.
S
solomon kassaye
a year ago
I have good experience
I have good experience with the process to get the loan
a
anuroop vemisetty
a year ago
Amazing lending service
Amazing lending service. I have gotten 4 loans through Stilt, which I already paid off, and I’m about to apply for my fifth loan. Their customer service is just awesome. They’re very diligent, their approval process is really quick, and they’re always there to answer your questions. 100% recommended
H
hugo bovea
a year ago
Amazing lending service!!
Amazing lending service. I have gotten 2 loans through Stilt, which I already paid off, and I’m about to apply for my third loan. Their customer service is just awesome. They’re very diligent, their approval process is really quick, and they’re always there to answer your questions. 100% recommended
m
mridul mahajan
a year ago
It was an easy process to get a loan…
It was an easy process to get a loan with Stilt. Had to submit documents. All online. Approval was quick and loan amount was in the account within a couple days.
S
sudhir
a year ago
Hassle free loan disbursement
Hassle free loan disbursement
M
misho bigana
a year ago
Working with stilt was easy
Working with stilt was easy. I got my loan in couple of days. Intrest rates are higher which is totality okay for me because I didn't have excellent or good credit. I'm still paying my loan on time each month with autopay. I'm pretty sure if I will need some money for my bussines they will borrow me again.
G
gopi kobbera
a year ago
Flexible financial Help
Flexible financial Help. Payed off 2 Loans !! Great customer Service as well.
L
lagadapati anilkumar
a year ago
Easy apply and great customer experience
I have been the stilt customer for more than three years. Their response for any query and followup on the queries and on the experience is very excellent. Applying for loan from stilt is a very easy process and offering rates are promisingly good.
D
dean
a year ago
Great service!
Great service!
S
sharath
a year ago
Stilt team makes it easy for the…
Stilt team makes it easy for the customers. Recommended.
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sai mohan
a year ago
I had a great experience
I had a great experience
p
priyatam royal
a year ago
Great job by Stilt Team
Great job by Stilt Team
M
mln sairam
a year ago
The process was easy and loan…
The process was easy and loan disbursement was quick
R
raghu nandan
a year ago
The experience I had with stilt is…
The experience I had with stilt is awesome. I applied for a loan. The application was processed pretty quick and got approved!! Thanks Stilt team.
j
josh bustillo
a year ago
Great service!
Great service!
k
keerthi kanth kampalli
a year ago
The experience I had with stilt is…
The experience I had with stilt is awesome. I applied for a loan. The application was processed pretty quick and got approved!! Thanks Stilt team.
C
corneliu maftuleac
a year ago
I moved to US on L1 visa
I moved to US on L1 visa, no credit score obviously. Stilt was the only place I was able to get a loan fast, without burocratic burner of paperwork. First class service, very happy.
v
vishnnu g verma indukuri
a year ago
Good loans for immigrants
Good loans for immigrants. Thank you.
J
joven san ramon
a year ago
Highly recommended
Highly recommended
Z
zubby doo
a year ago
As a new immigrant
As a new immigrant, slit was instrumental in helping me build up my credit.
S
srinagprakash reddy lankireddy
a year ago
It’s a great place to take a loan
It’s a great place to take a loan, been with stilt from almost like 41/2 years. Been with me in tough times, good communication. Give it a try
S
subbu
a year ago
Best and easy process to get ur loan
It was easy process to get loan. Got better rate compare to other lending provider
D
daniel etamobe
a year ago
Excellent experience with Stilt, extremely excellent.
Excellent experience with Stilt. Recommend this for all.
J
jam stock
a year ago
The process was very quick and straight…
The process was very quick and straight forward
A
akin
a year ago
Great experience!
Great experience! I had a great experience with Stilt. Process was smooth and easy.
J
jack russell terrier
a year ago
Accessing finance as an international…
Accessing finance as an international student can be really difficult but Stilt made it so easy. Their requirements were really textbook, their customer service was phenomenal, and their service is excellent. 5/5 stars!
C
carlos torres
a year ago
Great company!
Great company!! Easy to get approved and also great to work with when you have questions.
V
vamshi goparapu
a year ago
It was a great experience with stilt.
It was a great experience with stilt.
S
sharandeep
a year ago
Great financial intuition for personal loans
Stilt is the best for personal loans. It gave me the best rates for 2 personal loans and everything/process is online and very easy. The even have an app to make payments and avail other services.
B
bryan efevberha
a year ago
These guys had my back when I needed…
These guys had my back when I needed the money. The approval process was pretty fast. I have had no issues and they have an excellent customer service.
n
nedunuri anurag
a year ago
Stilt has helped me with great loan…
Stilt has helped me with great loan options. Their customer service is awesome
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sathwik chenna
a year ago
Quick in giving out loans
Quick in giving out loans. No issues whatsoever.
A
anudeep
a year ago
Excellent communication and a very…
Excellent communication and a very smooth process.
d
daniella castillo
a year ago
They are amazing
They are amazing. Helped me when I needed a loan in quick time. The turn around time was in 24 hours. Definitely will get another loan from them if needed. Interest rate is great too
A
aaron polanco
a year ago
The process was really simple
The process was really simple, customer service is great and they offer better rates than other options for people that just move to the US. I'm really happy with my loan(:
T
telman bj
a year ago
I loved the overall experience with…
I loved the overall experience with Stilt. Quick and easy. 5 star service
S
shashank pitla
a year ago
Loans for non-immigrants with H1 - Yes it is true!!
Honestly best in business for non-immigrants. Easy and smooth process, their agents will help you in everystep of the way. Really impressive, I received loan amount within 2 days of the approval.
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rahul nair
a year ago
Smooth process
Smooth process
M
monica neumann
a year ago
Stilt helped my to lower my credit…
Stilt helped my to lower my credit score and pay all my credit card debt
K
karla pajuelo
a year ago
100% recommended
My overall experience with Stilt has been great. Low interest rate. Fast deposit into my bank account, and customer service has been excellent.
K
kishorereddy annapureddy
a year ago
Quick responses through chat and smooth…
Quick responses through chat and smooth application processing experience.
D
dhruval shah
a year ago
Stilt helped me save money
Stilt is awesome. They have the best rate I have seen compared interest charges by credit cards . They are very honest, nondiscriminatory and do have a perfect loan disbursement process. They do not sell loan to you with hidden fees(that you only find out after disbursement) .They are as true to their words. They made the progress so easy for me. They also respond to customer request on time.
V
vishnu kulkarni
a year ago
Excellent team
Excellent team. Excellent service. Very very quick approval. Definitely recommended
j
jenyfer perdomo
a year ago
I recommend 100% Stilt
I recommend 100% Stilt. You can have access to a loan at the time you need it most, very easy and quick to do, you also have an application where you keep track of your loan payments. I am grateful to Stilt for their excellent service.
R
ricardo samuels
a year ago
Quick fast and easy…
Once you have all the required paperwork to process your loan it’s a easy as 1 2 3. I was amazed at how easy it was no hassle, quick fast and efficient money was in my account within a day. Even if you are not sure with the process they will work with you to make sure your loan is process fast. Their online messaging is fast and quick you can alway expect a timely response to any question u may have there’s always someone online to answer you. I would and definitely recommend them Period
P
prajwal parlawar
a year ago
Stilt is great
Stilt is great, easy to apply, fast response and great rates for immigrants who are in need of a personal loan. Their app is easy to use to track your payments
c
customer
a year ago
Easy and quick
Absolutely loved how easy the entire process of acquiring a personal loan was! The team was extremely helpful in providing quick responses to all my queries and the whole process was completed in just a couple days! Thank you stilt!
O
olu
a year ago
Stilt is awesome
Stilt is awesome. They have the best rate I have seen. They are very honest, nondiscriminatory and do have a perfect loan disbursement process. They do not sell loan to you with hidden fees(that you only find out after disbursement) .They are as true to their words. They made the progress so easy for me. They also respond to customer request on time. If you mistakenly get logged out due to browser page loading error(while chatting), you will most certainly get their reply in your email.
H
harshita patil
a year ago
Loan approval, process, customer service
Helpful for all the non-immigrants in need.
M
mohamed
a year ago
Good service and one of the best…
Good service and one of the best options out there for non immigrant workers.
S
shreya amarwani
a year ago
it was very good and I loved stilt…
it was very good and I loved stilt services. Loan process was really smooth and didn't took much time to get the money. It was really quick and easy. I think stilt services are great and will surely recommend to other people.
S
sabrina marshal
a year ago
Horrible company, bad customer service
The reviews from this company are very fake. Do not get a loan from them. Their customer service is horrible, they take forever to answer and never update credit bureaus with the correct information. It’s hard to repair your credit when dealing with them. Absolute worst company to get a loan from. Please don’t waste your time.
T
tanik prasad
a year ago
Stilt banking is really amazing and…
Stilt banking is really amazing and very swift in approving loans for students and working professionals on Visa. I would suggest the IT team to improve the Stilt tool with more features as it is quite basic.
A
arturo madueño
a year ago
Great option for immigrants
Great option for immigrants, when you just arrived to US and no one would give you a loan, Stilt is there for you. Medium size interest %, but it works and it helps you build your so needed credit score!
C
cmy
a year ago
Excellent experience
Excellent experience. Great service. Timely and smooth process. Very happy.
S
sarah m
a year ago
I have taken my 3rd loan with Stilt and…
I had taken my 3rd loan with Stilt and couldn’t be happier. I know it sounds weird to be happy to get a loan but when it saves your financials especially at the times like Covid, it makes you happy. The greatest thing about Stilt is that they serve to visa workers, students, foreigners and legal residents, not just citizens. Their loan process is easy, the fees are fairly priced and clear, and the app/website is easy to use, as well as track everything (status, history, balance). I also like the customer service, they are very prompt, professional, to the point and friendly.
S
sayak
a year ago
This is my second loan through Stilt
This is my second loan through Stilt. Both times I have been thoroughly satisfied. The entire process is smooth efficient and most importantly transparent. Being an immigrant, I had to jump through a lot of hoops to even apply for loans, until I found Stilt. Also, any time I reached out to customer service, their responses were prompt and the concern was addressed quickly.
d
divyatej
a year ago
I took a loan with stilt 3 years ago…
I took a loan with stilt 3 years ago and it really helped me in tough times.the process is smooth. Very easy to manage loan payments
F
francesca barone
a year ago
Excellent customer support
Excellent customer support. Fast and reliable.
s
shashank sanvally
a year ago
Fast Processing and with reasonable…
Fast Processing and with reasonable interest rates.
d
dalil chehboune
a year ago
I took a loan from stilt at a moment…
I took a loan from stilt at a moment when I truly needed it. The money came to my account fast and the app to pay my bills was very functional. The person helping me was also very helpful and made everything easy.
R
ramesh l
a year ago
Stilt is a good lender to take personal…
Stilt is a good lender to take personal loans with low interest rates.
L
leonardo lopez
a year ago
Excelent Loan service for immigrants
Excelent Loan service for immigrants. It helped to improve my credit score.
A
adarsh goyal
a year ago
Stilt has a very smooth process
Stilt has a very smooth process. The documentation upload and verification is quick and loan transfer was immediate as well. Interest rates are also very competitive against the market. Specially helpful for immigrants as it is difficult to avail loans from other banks generally.
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sameer mahajan
a year ago
Vet Quick and smooth service and great…
Vet Quick and smooth service and great for non citizens
A
ali khan
a year ago
Stilt.com is a wonderful company
Stilt.com is a wonderful company. It has been a great pleasure to do business with them. I will definitely do business with them again if needed.
D
dgr dgr
a year ago
Good experience
It was good experience for me, haven’t faced any issues while getting loan with my opt visa. I would recommend stilt.
P
palsom
a year ago
Stilt is impressive!!
Stilt is impressive in my case, opinion and overall experience was excellent. I believe this type of companies are the ones who really care about general population and provide financial services genuinely with high customer satisfaction. I wish them the best and do more good work and expand. So that mutual financial benefits between customer and business is still relevant.
N
nneka dawn ja
a year ago
Excellent
No hassels with enrollment and twas a seamless ,stress-free experience. Would definitely recommend.
D
demna sakhltkhutsishvili
a year ago
Smooth and fast processing
I had positive experiences in all cases of taking loans with Stilt. Especially, I liked their prompt responses and swift approvals.
V
v g
a year ago
Very poor customer service
Very poor customer service. Thry never update credit reports and it affects all your credits and cant get loans. Try to ignore as much as possible. Reviews seem fake.
n
nikhil singh
a year ago
I had a loan of 35k$ from stilt
I had a loan of 35k$ from stilt instantly. I had reached out to multiple banks and loan companies but since I am not a US citizen and I don't own any asset here, for e.g, a house, none of the organizations was offering me a loan. That's when I found out about stilt and I contacted them and I submitted a few documents and loan was instantly transferred to my account. The process was very smooth with no hassle.
H
harsha
a year ago
Reliable and helpful
Most helpful organization. Much appreciated and happy with their customer service