Applying for a loan

Common questions

• How do I apply for a loan with Stilt?
• Why does Stilt asks me to connect bank account as a part of the application?
• Should I wait to change my visa status before I apply for a loan with Stilt?
• Is it safe to connect my bank account when I am apply for a loan?
• How is the EMI amount decided?
• How will I receive my loan?

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Decisions

• Can I be declined for a loan if I have a high credit score?
• I applied for a loan, when can I expect to hear back?
• What are you looking for in a successful application?
• Can I reduce the loan amount after my loan has been approved by Stilt?
• Can I apply for a loan for a smaller amount and increase the amount after the loan is approved?
• Can I be pre-approved, without submitting an application?

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Documents

• Will Stilt call my references?
• Why does Stilt ask for references?
• Who can I put down for a reference?
• What are the documents required for the personal loan?

Credit Pull

• Do you take FICO score into account?
• Do you do a hard pull on my credit report when applying?
• The website says that SSN and credit score are not required. Why are you asking me to add my SSN?

Loan Purpose

• I am getting married in my home country. Can I use Stilt’s loan?

Credit Reporting

• Does taking a loan from Stilt help build my credit history?