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  • Official comment
    Stilt Team (Edited )

    Non-U.S. citizens are generally not treated the same way as U.S. citizens. They are discriminated because they are visa holders and don't have as long of a credit history as people who have been in the U.S. their whole lives.

    Visa holders such as F-1, OPT, H-1B, O-1, L-1 etc. are not able to get loans because they are considered high-risk by banks. They are discriminated against just because they are not permanent residents or U.S. citizens. They are offered much higher rates than U.S. citizens, they can't refinance their existing international loans and they have to wait for years to get any access to credit.

    Stilt is solving this problem for immigrants by giving them access to credit that helps them get settled, refinance their loans, buy a car, and build credit at the same time. We are putting non-U.S. citizens on the same financial footing as U.S. citizens.

    If you have any questions, feel free to reach out to us at

    About Stilt:

    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 more about us on Wikipedia or visit us at If you have any questions, send us an email at

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