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    Stilt Team (Edited )

    As a non-U.S. citizen, you have relatively less number of options to get access to credit even with a long credit history and a good credit score. They are discriminated by most banks and credit unions because of their visa status. Banks believe that visa holders are a high-risk population and they will run away after taking loans. In our experience, nothing can be farther from the truth.

    The minimum length of credit history required for a loan varies from lender to lender. It also depends on the loan amount and loan term you need. If you are willing to take payday loans - generally, $300 at 300% APR for 30 days, you don't need any credit history at all. If you go to a lender like Lending Club, you will need on average 6 years to credit history to be approved.

    At Stilt, you don't need any credit history for a loan and our rates are very reasonable. We understand that it takes time for immigrants to build credit and they are not in the U.S. to run away with a small loan. You can get a loan with us with zero credit history and without SSN. We also don't ask for any collateral or cosigner.

    If you want to apply for a loan with us or need additional information, feel free to reach out to us at team@stilt.co.

    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 https://www.stilt.co. If you have any questions, send us an email at team@stilt.co.

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