Stilt Team
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How does Stilt decide the loan amount and interest rates?
When reviewing a loan application we look at numerous factors to help us determine what is the best interest rate and loan amount that we can offer. Some of these factors include: Current Employm...
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I am going to a coding bootcamp. Am I eligible to receive a personal loan?
If you will be working full time during coding boot camp, you are eligible for a personal loan. To be eligible for a personal loan, we need a full-time job offer or current full-time employment. F...
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How does Stilt decide loan approvals and interest rates?
At Stilt, we believe in transparency, clarity, and honesty. We believe better-informed borrowers are good borrowers. As we grow, we want to inform potential borrowers about what makes a good applic...
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If I'm on OPT and will apply for STEM Extension, can I apply for a longer term loan with Stilt?
It depends on when your OPT expires, for example, if it expires in a month and you have not filed for STEM extension, you would not be eligible. You must apply for OPT extension at least 90 days be...
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How long does it take for payments to reflect on my Stilt profile?
After you have posted a payment, it takes 3-5 business days for the payments to reflect in your Stilt profile. The time it takes for deducting a payment depends on the day of the week when payment ...
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When can I prepay the loan?
You can prepay the loan at any point in your loan term. We do not charge any prepayment fees and have no minimum time period for prepayment. We lend to highly creditworthy borrowers and we know th...
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What can I do to improve my chances of approval?
When applying for a loan with Stilt there are some key factors that we look at in your application: Current Employment or Employability Education/Work Experience: Financial Behavior: Derogatory ...
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What can I do to get the best interest rate from Stilt?
When reviewing a loan application we look at numerous factors to help us determine what is the best interest rate that we can offer. Some of these factors include: Current Employment or Employabi...
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How does Stilt give loans to people who banks and credit unions deny for a loan?
We are able to give loans to individuals that bank and credit unions decline because we look at more than just your credit report/ credit score. Here are some main factors that we also take into ac...
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Are there any additional charges apart from the principal and the interest amount?
In some situations, we charge a small origination fee- this is a one time fee that will be deducted from your loan amount before the loan is disbursed. For more information on origination fees plea...