Some of the advantages of taking a loan with Stilt vs our competitors include:
1. Low-interest rates - Stilt looks at your comprehensive profile to provide you the lowest interest rate. We don't just look at your credit score, but everything from current/future employment, financially responsible behavior and much more. Here is a deeper look into factors we look at - Stilt approval process.
2. Smooth approval process - Our application process is completely online and we send you a decision in less than 1 business day.
3. No Hidden Fees - There are no hidden fees, we only charge a small origination fee. You will know your exact interest rates and monthly payment when your loan is approved.
4. No Prepayment Penalty - If you want to pre-pay the loan, you can do that anytime without any penalty. You will also save on future interest if you pay off the loan. You will only pay the interest for the time you have the loan.
5. Loan approval without any collateral or co-signer - Unlike banks and other lenders, we make decisions based completely on your merit, future potential, and financially responsible behavior.
6. Best customer service - If you have a question, you will not have to wait on the phone to talk to a representative, it will not take us days to get back to you. We will help you from start to finish. You can connect with us on live chat, email, or directly call us. We respond in seconds not days.