Stilt Personal Loans

Stilt Personal Loans Review

Stilt Personal Loans is offered by Stilt Inc, a direct lender founded in 2015 and based in San Francisco, CA. Stilt loan are available in 15 states across the USA.

Key Takeaways

• APRs starting at 8%. These are typical starting rates for personal loans.
• Prequalified rate. You can check your prequalified rate at Stilt Inc with a soft pull that will not affect your credit score.
• Origination fees start at 0%. Origination fees are deducted from the loan amount, so take them into account when deciding how much you need to borrow.
• Short loan terms. Stilt Personal Loans have loan terms as short as 6 months.

Stilt loan Pros & Cons

Stilt loan FAQ

What interest rates and personal loan terms does Stilt loan offer?

What fees does Stilt loan charge?

What do you need to qualify for Stilt Personal Loans?

When it comes to credit scores, Stilt Inc doesn't have a set minimum or maximum. People with all types of credit scores can apply. The minimum age to be eligible is 18 or the state minimum, whichever is higher.

Stilt Personal Loans does not have or does not disclose a minimum annual income eligibility requirement. Stilt Personal Loans will consider borrowers regardless of their employment status if they can prove their ability to repay their obligations.

The Military Lending Act (32 C.F.R. § 232) prohibits lenders from charging service members more than 36% APR on credit extended to covered borrowers. Active duty service members and their covered dependents are eligible to apply for a loan via Stilt Personal Loans. Their rates fall within the limits of The Military Lending Act.

U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by Stilt Personal Loans. Not all companies will work with visa holders. Stilt Inc does offer its services to temporary resident visa holders such as F1 or H1B holders.

To qualify, applicants may need to provide the following documentation:

• Proof of income

What is the estimated funding time for a personal loan via Stilt loan?

Stilt loan will typically approve (or deny) a loan application within 24 hours and fund loans within 4 business days of approval.

Does Stilt Personal Loans report your account activity to credit bureaus?

Yes, Stilt Personal Loans reports your account activity to the following credit reporting agencies:

• Equifax
• Experian
• Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Are Stilt Personal Loans legit?

Stilt Personal Loans was founded in 2015. It is an established company that has been in business for 8 years.

Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.