Stilt, a San Francisco-based lender and FinTech company that caters to immigrants and noncitizens, was acquired by JG Wentworth, a nationwide consumer finance company, in late 2022.

Historically, Stilt offered personal loans to those who wouldn’t otherwise qualify due to their citizenship status. However, Stilt no longer offers personal loans.

Alternatives to Stilt personal loans

While shopping around will help you find the best personal loan for your situation, here are a few online lenders that offer similar APR ranges and eligibility requirements to what Stilt offered.

Lender APR range Loan amounts
Earnest Varies by lender $1,000-$250,000
Upgrade 8.49%-35.99% $1,000-$50,000
SoFi 8.99%-25.81% $5,000-$100,000


Rating: 3.7 stars out of 5
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    • Repayment terms up to 12 years.
    • Co-signer may be allowed.
    • Potentially get offers from multiple lenders.
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    • Not a direct lender.
    • No mobile app.
    • Limited details available.


Rating: 4.7 stars out of 5
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    • Joint applications allowed.
    • Fair credit accepted.
    • Low minimum loan amount.
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    • Origination fee.
    • High maximum APR.
    • Lower maximum amount.


Rating: 4.8 stars out of 5
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    • High maximum loan amount.
    • Low starting APR.
    • Optional fees.
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    • No co-signer options.
    • High minimum loan amount.
    • Strong credit score required.

Why doesn’t Stilt offer personal loans anymore?

JG Wentworth announced the acquisition on Dec. 5, 2022. The company stated in a press release that the aim of the acquisition is to combine the national brand recognition of JG Wentworth and Stilt’s digital platform.

However, this also means that Stilt will no longer be servicing personal loans, as it is now owned by JG Wentworth. While the Stilt website still reflects that it offers personal loans, it redirects borrowers to JG Wentworth should they express interest in a product.

As of now, JG Wentworth offers structured settlements and debt relief programs.