No, we only do a soft pull when you apply for a loan. If you don’t have an SSN or a credit history, you are still eligible to apply. Your credit score will not be impacted to know your rates.

If you receive pre-approvals from other lenders, they have already done the soft pull and when you apply to know your rate, they do a hard pull. At Stilt, we don't follow that practice. We believe in giving the user a choice without impacting their credit score.

If you decide to take the loan and sign the loan documents, that is when we will do a hard pull and also report to credit bureaus.

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