Stilt Team
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I applied for a loan for 24 months but was approved for only 12 months. Can I increase the loan term?
No. Once the loan is approved, we cannot change the loan term. We do not negotiate on these offers and consider them to be a final offer. You can always prepay the loan and apply for a new loan wit...
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I am not able to upload documents, what should I do?
Please email the documents to team@stilt.com using the email id you used to create your account.
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If I make higher payments than the installments, how does it impact my loan balance?
We encourage borrowers to pay off loans as quickly as possible in a financially responsible way to help them save on interest. Most lenders have the opposite approach and want borrowers to keep the...
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How is the EMI amount decided?
EMI stands for Equated Monthly Installment which is a fixed payment a borrower must make on a specified date on a monthly basis. EMI consists of your principal loan amount and interest amount, paya...
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Can I apply for a loan with Stilt if I don't have my visa stamped?
In order to be eligible for a loan with Stilt, you have to be on a valid visa. If you are already in the US and you have changed your visa while being in the U.S. -that’s when we don’t need it stam...
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Should I wait to change my visa status before I apply for a loan with Stilt?
That depends on your current visa status and what you will be changing it to. When applying for a loan with Stilt you must be on a valid visa with a minimum duration of 6 months. As long as your cu...
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Can I reduce the loan amount after my loan has been approved by Stilt?
If you have received a loan offer from us, this is a final offer. In order to request a lower amount, you must cancel your loan application and reapply for the amount you actually need. Alternativ...
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I recently moved to the U.S. through my company abroad. I will be here for 6 months, am I eligible for the loan?
No, our minimum loan term is 6 months. You do not meet our criteria for the minimum stay in the U.S. We provide loans for long-term valid visa holders who will stay in the U.S. during the entire te...
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What are the advantages of taking a loan from Stilt?
Some of the advantages of taking a loan with Stilt vs our competitors include: 1. Low-interest rates - Stilt looks at your comprehensive profile to provide you the lowest interest rate. We don't j...
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Does Stilt charge any prepayment fees?
No, we do not charge any prepayment fees; therefore, you can pay off the loan at any time.We believe charging fees for good financial behavior is not right, so we don't do it. In addition, you d...