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  Stilt Personal Loans

Stilt Personal Loans

in Personal Loans from Stilt Inc

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Stilt Personal Loans

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in Personal Loans from Stilt Inc

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Highlights
Highlights
Loan Amount $1,000 - $35,000
APR  (Fixed APR) 8% - 25%
Loan Term 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.

What rates and terms does Stilt Personal Loans offer?

What personal loan APRs 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 charges 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 score.

    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...

    Contact

    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

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      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
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Verification Documents Required
    • Proof of Income
    Funding Time Range 2 - 4 days
    Approval Speed (Hours) 24
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Payment Options
    • Automatic Payments
    • Bank Transfer
    Pre-Approved Soft Credit Inquiry  
    Loan Amount $1K - $35K
    APR (Fixed APR) 8% - 25%
    Loan Term 6 - 36 months

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