1 comment

  • Official comment
    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

    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

    Comment actions Permalink

Please sign in to leave a comment.