Is Stilt Personal Loans the right fit for you?
Last Updated: 04/18/2025
SuperMoney User Recommendation Score +60
Strongly recommended5 total votes
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Highlights
Community Rating
Strongly recommended
APR (Fixed APR)
8% - 25%(Verified 06/21/2024)
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Amount Range
$1,000 - $35,000
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Loan Term (Months)
6 - 36
Number of Reviews
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.
Key Takeaways
- APRs starting at 8%. Personal loan interest rates typically range between 9% and 36%. The starting rates for Stilt Personal Loans are on the lower end of the spectrum.
- Prequalified rate. You can check your prequalified rate at Stilt Inc with a soft pull that will not affect your FICO or VantageScore.
- 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
| Pros | Cons |
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Stilt loan FAQ
What interest rates and personal loan terms does Stilt loan offer?
What interest rates does Stilt loan offer?
Stilt loan offers a fixed APR personal loan product that ranges from 8% APR up to 25% APR.
How much can you borrow via Stilt loan?
Personal loan amounts start at $1,000 and go up to $35,000
What is the maximum loan term you can get with Stilt loan?
Stilt loan offers loans with terms of up to 36 months.
| Personal Loan Amount | $1000 - $35000 |
| Loan Term | 6 - 36 months |
| APR | 8% - 25% |
What fees does Stilt loan charge?
Does Stilt loan charge an origination fee?
Stilt loan may charge a personal loan origination fee starting at 0% of the personal loan amount . Stilt loan deducts the origination fee directly from your personal loan amount, so make sure you take this fee into account when deciding how much you need to borrow.
Does Stilt loan charge a late fee?
Stilt loan does not disclose whether it charges late payment fees.
Does Stilt loan charge prepayment fees?
No, Stilt loan does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | Starting at 0% |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for Stilt Personal Loans?
When it comes to credit scores, Stilt Personal Loans 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.
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
| 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 loan?
Stilt loan will typically fund loans within 2 to 4 business days of approval and clearing necessary verifications.
Does Stilt Personal Loans report your account activity to credit bureaus?
Yes, Stilt Personal Loans reports to the following credit bureaus:
- 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 build your credit.
Does Stilt Inc perform a hard credit pull?
As is the case with most providers, a hard credit pull will likely occur if you accept an offer after checking your rates. Stilt loan allows you to check your rates with a soft credit pull.
Are Stilt Personal Loans legit?
Stilt Inc was founded in 2015, it is a well-established company that has been in business for 11 years. Based on their "strongly recommended" SuperMoney community rating, they appear to be a very reputable company.
Stilt Personal Loans Disclosure: Please note that this is base criteria require to be eligible to apply for a loan and does not guarantee loan approval. If you meet all of the conditions listed above, we will review your application for a potential loan. The application can still be declined based on our risk assessment.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Hours of Operation
SundayClosedMonday10:00AM - 6:00PMTuesday10:00AM - 6:00PMWednesday10:00AM - 6:00PMThursday10:00AM - 6:00PMFriday10:00AM - 6:00PMSaturdayClosed
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +60, or 4.2 on a 5-point rating scale.
+60
-1000+100
No one recommends
Everyone recommends
Stilt Personal Loans Community Reviews
Would you recommend Stilt Personal Loans to your friends?
U
Anonymous
May 11, 2023
May or may not recommend
Seems you guys might help me pay my bills so i can pay 1 bill instead of 5
LR
Lexi R.
Jan 20, 2023
May or may not recommend
Stilt really help me build my credit because I found out that they report to some of the major credit bureaus. This is the go to place if you DON'T have a social security number or meet the requirements of other lenders. This might be your best bet for a personal loan if others are turning you down. I highly recommend them.
MC
Mazhar C.
Nov 25, 2022
May or may not recommend
One of the things I focus in is that you don’t need a good credit score you are eligible even do you have a bad credit score
Huda A.
Jul 21, 2022
May or may not recommend
A high APR and an orientation fee make it a no-go for me!
RF
Robelys F.
May 23, 2022
May or may not recommend
One of the things I focus in is that you don’t need a good credit score you are eligible even do you have a bad credit score
Showing 5 of 5 reviews
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