Stilt Personal Loans

Stilt Personal Loans

in Personal Loans from Stilt Inc


Stilt Personal Loans


in Personal Loans from Stilt Inc

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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.

Key Takeaways
  • APRs starting at 8%. These are average starting rates for a personal loan. If you have good credit you may qualify for a loan with better rates.
  • 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.
Stilt Personal Loans Pros & Cons
Pros Cons
  • $0 prepayment fee.
  • Considers applicants with fair credit.
  • Funding available within 4 business days.
  • APRs as high as 25%.
  • Charges an origination fee.
  • Charges a late fee.
Stilt Personal Loans FAQ

What rates and terms does Stilt Personal Loans offer?

What APR rate does Stilt Personal Loans offer?

Stilt Personal Loans offers a fixed APR 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.

Stilt Personal Loans Rates & Terms
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.

Stilt Personal Loans Fees
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
Stilt Personal Loans Eligibility Criteria
Minimum Age 18
Bank Account Required? No
Application Types Accepted
  • Individual Applications
  • 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?

    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 can help improve your credit.

    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: 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.


    Hours of Operation

    • Sunday Closed
    • Monday 10:00am - 6:00pm
    • Tuesday 10:00am - 6:00pm
    • Wednesday 10:00am - 6:00pm
    • Thursday 10:00am - 6:00pm
    • Friday 10:00am - 6:00pm
    • Saturday Closed

    About Stilt Personal Loans


      Available in 15 states
    • 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%
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    • U.S. Temporary Resident Visa Holders
    Joint Loan Applications Accepted Individual Applications
    Military Status
    • Active Duty Military
    • Non-Military
    • Veterans
    • Military Dependent
    Minimum Age 18
    Supported Income Types
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    • 1099 Misc. Income
    Verification Documents Required Proof of Income
    Credit Score Range 300 - 850
    Approval Speed 24 hours
    Credit Bureau Reporting
    • Experian
    • Equifax
    • TransUnion
    Funding Time Range 2 - 4 days
    Payment Options
    • Automatic Payments
    • Bank Transfer
    Pre-Approved Soft Credit Inquiry  
    Loan Amount $1,000 - $35,000
    APR (Fixed APR) 8% - 25%
    Loan Term 6 - 36 months

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