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    Nikhil Wason

    Lenders use credit scores to determine a borrower's capacity to pay for his loan. Although, there are other factors lenders may use in the evaluation process, the borrower's credit score remains to be the deciding factor on his loan approval.

    It is also being used to determine how much interest will be charged on his loan. Generally, borrowers with a poor credit rating are charged with higher interest rates. The interest rate usually dictates how much monthly payments a borrower should make. Of course, the higher the interest rate, the higher your monthly loan payments will be. 

    If you want to get the best interest rates, make sure to maintain an outstanding credit history! 


    Stilt provides loans to international students and working professionals in the U.S. (F-1, OPT, H-1B, O-1, L-1, TN visa holders) at rates lower than any other lender. Stilt is committed to helping immigrants build a better financial future. We take a holistic underwriting approach to determine your interest rates and make sure you get the lowest rate possible.

    Learn what others are saying about us on Google, Yelp, and Facebook or visit us at If you have any questions, send us an email at

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