Does Stilt negotiate interest rates on loan offers?

As a company policy, we don't negotiate on interest rates. Our decisions are determined by our machine learning algorithms that take all the data you provide us into account.

Negotiating interest rates at an individual level leads to all sorts of errors. If there are two people with exactly the same profile, background, and credit history, but if one is better at negotiating, it can lead to discrimination.

We always strive to make our algorithms better and provide the interest rates that an individual deserves.

We can reconsider your application only if there are new data that we missed or changed in your profile that can significantly impact our decision. This data could be a new job, an extended visa etc. Since our decisions are based on historical financial behavior, there is less you can do to change that.