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  • Official comment
    Stilt Team (Edited )

    It is extremely difficult to get a loan at a reasonable rate without a credit history. U.S. is built on credit and credit scores are really important to access credit - they are a numerical representation of your credit history that gives a sense of your credit risk.

    Most banks and credit unions will not give you a loan and those who will, they'd charge you a very high interest rate. Generally, if you get a loan, you will have a hard pull on your credit history. A hard pull helps other lenders know that you have recently looked for credit or taken it and it changes your overall risk. Some lenders though will give you an offer with just a soft pull and will do a hard pull only after you accept the loan.

    Stilt is an online company focused on international students, immigrants, and visa holders. We give you a loan offer with just a soft pull and will do a hard pull only if you accept the loan.

    If you want to know more about how hard pull impacts your credit, 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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