Stilt Personal Loan Review 2022 | Bad Credit Personal Loans Guaranteed Approval No Credit Check Direct Lender

screenshot of stilt application form

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Stilt Overview

Stilt personal loans are best for people who have a very bad credit score. You can get approval from this lender easily if you have bad credit but have a valid American visa. 

Stilt Personal loans are specialized in giving loans to  “immigrants, visa holders and underserved people” who live in the U.S. Even if you don’t have any credit history or a Social Security number, you can still apply for a stilt personal loan, depending on other financial factors.   

There is no minimum credit score requirement for this loan. Stilt Personal loans don’t disclose any specific APR but they charge approx. 8% – 25%. Stilt also charges origination fees which are also not disclosed. They offer a flexible repayment period from 6 to 24 months. 


  • Loan amount starting from $1,000 – $35,000
  • You May qualify if you hold certain U.S. visas 
  • Stilt offers no pre-payment panalty
  • At Stilt they dont consider you credit score{alertSuccess}

  • Stilt do Charges a originaiton fees.
  • Dont accept co-signners
  • APR is not disclosed but approx. is 8% to 25%   {alertError}


Can Be Used as Debt Consolidation Loan

Stilt offers personal loans for many purposes such as debt consolidation, home improvements, and big purchases. So if you are looking for a big loan amount then Stilt can be the best option for you if you have a bad credit score.

Annual Interest Rate and Fees

Stilt does not disclose any APR on their website but based on the reviews of consumers on the internet it is concluded that you’ll get an apr of 8% – 25%.  They also charge an origination fee which is also not disclosed on the website. you will get to know these rates at the time of pre-qualification and how much APR and origination fees will be charged from you. 

Minimum Credit Score Required

At Stilt personal loans they don’t ask for any type of credit score so no matter what type of credit score you have you can apply for stilt personal loans. They use different factors to qualify you for the loan. So even if you have a bad credit score of even 300 then still there are chances of you qualifying the stilt personal loans.
Stilt personal loans also offer the pre-qualification method which gives you an idea about your loan amount, interest rate, and payback period, which does not affect your credit score.

Offered Loan Amount

Stilt offers personal loans from $1,000 to $35,000. The minimum loan amount can be varied from State to state.

Eligibility Criteria 

There are some basic requirements you should fulfill before taking a bad credit loan. Here is the list :
  1. You should be at least 18 years old
  2. You must be a United States citizen or have a US Visa
  3. You must have a valid active US bank checking account
  4. You have to provide a valid email address and a phone number

Required Documents

  • Valid Identity Proof, VIsa
  • Have to provide a DOB.
  • Valid current mobile number and Email id.
  • An active American bank account.

Repayments Terms

The repayment period of event personal loans is from 6 to 24 months which is half a year to two years. There is no prepayment penalty means you can pay the loan amount before given time to save your interest. 

Example of the Stilt loan

If you get a three-year, $10,000 loan with a 20.5% APR then you would have to pay monthly payments of $374. You would pay $3,470 in total interest on a $10,000 loan.

How to Apply for Stilt :

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  • If you have decided to apply for Stilt personal loans then just go to their website after that you have to fill out a short application form and then within 24 hours, you’ll get an update regarding the loan. 
  • So you have to enter your personal information regarding the loan like
  • Name, Address, Income, House Details, Employment details.
  • A U.S. address in a state where Stilt is licensed to operate 
  • An eligible visa that’s legal and valid for at least six months 

Who is this loan good for

Stilt personal loan is a good choice for people who have bad credit of approx. 580 credit score and need money quickly. On the Stilt website, you can check whether you are applying for the loan or not which means you can prequalify yourself for the loan which will not affect your credit score.
Also, people who want flexible repayment terms for personal loans may also like the ability to choose terms from 6 to 24 months. Also, for People who struggle to get loans elsewhere, Stilt is the best option for them.

Editorial NoteMakeHelpOf does not receive any commission from any website or third-party advertisers. This is just a review article based on consumers’ experiences from the internet. It’s accurate to the best of our knowledge when it’s posted. Please read all the information carefully before you make any decision. {alertInfo}