StellarFi is a Public Benefit Corporation set out to solve one of the biggest economic problems faced by American consumers -- access to credit. We make it easy for people to consolidate their bills on our platform and pay them on time. Since we’re making the payments on behalf of our users, we’re able to reliably report positive payment history to all three credit bureaus and help build credit. Get the credit you deserve with StellarFi.

We’ve figured out how to solve the credit score algorithm with a system designed to positively influence your credit score, exemplified. The result has a dramatic effect on your overall financial health.

How do we do this?

We take the bills that normally do not have an impact on your credit score and pull them into your credit history.Because you were going to pay them anyway and because recurring payments naturally build up positive payment history, they have the ability to increase your score.

Ok, but how does it actually work?

Link a bank account that you normally use to pay your bills.Choose the bills that you want to pay through StellarFi and link them in the dashboard.When the due date arrives for a bill, or when you want to manually pay a bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill.If your account balance is sufficient, StellarFi pays your bill.At the same time, we’ll debit your linked bank account for the amount of the bill.Basically, we pay the bill once we know that you have that amount on hand in your bank account and then we get that money back from you.

Here’s what sets us apart:

by continuously linking recurring bills and setting them up to be paid automatically, we report this positive payment history directly to the credit bureaus. That is because StellarFi reports all bills as credit. We are not a lender. But since we’re making the payments on your behalf, we’re able to reliably report positive payment history to all three major credit bureaus (Transunion, Experian, and Equifax) and help build credit.

When your credit score goes up, you’ve also managed to unlock more possibilities that didn’t exist before. Want to buy a house? A car? Take out a loan? You’ve set yourself up for success with StellarFi and from there, it’s up to you. The sky’s the limit!

We offer three different membership plans:

Lite $4.99/mo

Prime $9.99/mo

Premium $19.99/mo (coming soon)

The membership fee is charged the same day you enroll and there are NO hidden fees.  The fee will then be charged on the same day each month thereafter.  For example, if you enroll on January 1st, your membership fee is charged on January 1st and your next fee is due on February 1st, etc.

You’re at least 18 years old and a US resident with a valid Social Security number.

Our verification process may require some applicants to submit documentation such as a state-issued ID/Drivers License, Social Security card and/or a utility bill to confirm your identity.  If that is required, we’ll let you know!

No, we don’t provide personal loans or line of credit at this time.It’s in our roadmap, and as a member, you'll be the first to hear about it when it's officially ready.

Yes! Once you’ve linked your current bills, StellarFi will make the payment on your behalf and then debit your bank account. That way we are able to report your payment history to all of the major credit bureaus!

StellarFi is different.  We pay your bills and withdraw money from your account to cover those bills. Unlike companies that simply report your payment history by reviewing bank statements or rental agreements, because StellarFi is paying the bill on your behalf and collects the funds from your account, we are able to report your positive history and build your credit in a reliable way.

StellarFi will create a new credit account on your credit report. While StellarFi is NOT a credit card or a loan, your on-time bill payments will build your payment history and the credit account will improve your credit utilization ratio (also called your credit-to-debt ratio). We report to all three major credit bureaus (TransUnion, Experian, and Equifax) and will use on-time StellarFi payments as factors contributing to official credit scores.