| APR (Fixed APR) | 8% - 25% |
| Loan Amount | $1,000 - $35,000 |
| Loan Term (Months) | 6 - 36 months |
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 Personal Loans is available in 15 states across the USA.
- Prequalifed rate. You can check your prequalified rate at Stilt Inc with a soft pull that will not affect your credit score.
- Short loan terms. Stilt Personal Loans offers loan terms as short as 6 months. Most personal loans have a minimum term of 12 to 36 months.
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What rates and terms does Stilt Personal Loans offer?
What APR rate does Stilt Personal Loans offer?
Stilt Personal Loans offers a personal loan product that ranges from 8% APR up to 25% APR.
Your APR can vary depending on several factors, such as your credit score. Find out what your credit score is and whether there is any false or inaccurate information in your credit history with these credit monitoring tools.
How much can you borrow via Stilt Personal Loans?
Loan amounts start at $1,000 and go up to $35,000
What can a personal loan from Stilt Personal Loans be used for?
Personal loans from Stilt Personal Loans are typically used for special purchases, debt consolidation, home improvement projects, weddings, medical expenses & procedures, unexpected expenses or similar purposes.
What is the maximum loan term you can get with Stilt Personal Loans?
Stilt Personal Loans offers personal loans with terms ranging from 6 to 36 months. Having the option of longer terms allows borrowers to take on larger loan amounts while keeping monthly payments more affordable. However, the longer the term of your loan, the more interest you will pay.
| Loan Amount | $1000 - $35000 |
| Loan Term | 6 - 36 months |
| APR | 8% - 25% |
What fees does Stilt Personal Loans charge?
Does Stilt Personal Loans charge an origination fee?
Stilt Personal Loans may charge a loan origination fee starting at 0% of the loan amount. Stilt Personal Loans deducts the fee directly from your loan amount before depositing your money, so make sure you take this fee into account when deciding how much you need to borrow.
Does Stilt Personal Loans charge a late fee?
Yes, Stilt Personal Loans may charge borrowers a late payment fee.
Does Stilt Personal Loans charge prepayment fees?
No, Stilt Personal Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the loan off early.
| Origination Fee | Starting at 0% |
| Prepayment Fee? | No |
| Late Payment Fee | N/A |
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 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 are, of course, eligible for the services offered by Stilt Personal Loans. Permanent resident / green card holders are also eligible to apply. 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
| Minimum Age | 18 |
| Bank Account Required? | No |
| Application Types Accepted |
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| Credit Score | 300 - 850 |
What is the estimated funding time for a personal loan via Stilt Personal Loans?
Stilt Personal Loans will typically approve (or deny) a loan application within 24 hours and fund personal 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.
Contact
- Headquarters
-
404 Bryant St
San Francisco, CA 94107 - (415) 630-2323
- Visit Site
About Stilt Personal Loans
Availability
- Arizona
- California
- Florida
- Georgia
- Illinois
- Massachusetts
- Michigan
- New Jersey
- New York
- Pennsylvania
- Texas
- Utah
- Virginia
- Washington
- Wisconsin
Feature Breakdown
| No Prepayment Fee | |
| Origination Fee (%) | Starting at 0% |
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