Stilt Team
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Does my future monthly installments change if I prepay?
If you make payments that are larger than your monthly installment, this will go towards your principal and will reduce your overall loan balance. When you make payments that are slightly higher t...
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Can I apply for a loan with Stilt while being on OPT?
Yes, as long as your OPT status is valid for the duration of your potential loan term. Stilt is a financial tech company that is focused on immigrants. Our mission is to help immigrants get access ...
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I want to prepay my loan, how can I do that?
In "My payments" section of your Stilt profile, you will see a "Payoff Amount". This amount is updated daily. It includes your outstanding principal balance and accrued interest since the last inst...
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How do I make monthly payments on my loan?
To make payments log into your Stilt account. Then click on "My loans" After the loan is disbursed, you will see multiple payment options under "My Payments" in your profile. There are 3 types of ...
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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...