Build Credit With Every Bill You Pay.

With StellarFi, your bills are paid on time and reported to TransUnion®, Experian®, and Equifax®.

Stellar app dashboard screens.
Score Simulator
Linked Bills
Credit Score Projection
Payments Calendar
Link Bank Account

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StellarFi - Build the credit you deserve with the bills you already pay | Product Hunt
Build Credit Fast

StellarFi improves factors that make up 80% of your score.

No credit check. No interest. No deposits.

Credit age

Build credit age by keeping your credit account open while you're a StellarFi member.

Credit use

Lower your credit utilization as we optimize your StellarFi credit account to reflect an ideal credit-to-debt ratio.

On-time payments

Use the StellarFi app to pay bills on time, building a positive payment history with Experian®, TransUnion®, and Equifax®.

Link and pay bills with Stellar, and build credit.

Why should you care?

StellarFi works with you on something you already do – pay your bills. But most of your bill payments go unreported because they are not made on loans or credit cards.

StellarFi's unique solution reports payments like your phone bill, rent, yoga class, or favorite streaming service to all three major credit bureaus. Now, the bills you already pay can build your credit.

Focus on your goals

Whether you are starting with no credit history, planning for a major purchase, or simply trying to bounce back–let StellarFi help you manage your goals in one place.

Focus on your credit goals with Stellar.

How it works


Sign up and link your bank account

Create your profile and connect your bank account in about 3 minutes.


Build credit through bill payments

StellarFi will report every on-time bill payment directly to the Experian®, Equifax®, and TransUnion® as credit.


See your credit score grow

StellarFi will report a positive payment history and optimize your credit utilization ratio throughout each month.

Always safe and secure

256 AES security

We use the most advanced security protocols and bank-grade encryption to secure all of your data.

Digital tokens

We do not store any of your financial information. Instead, we keep random digital tokens to represent your account at your financial institution.

Virtual accounts

We use StellarFi virtual cards to pay your bills, protect your privacy, and safeguard your real data.

Build credit that matters
to lenders.

We report payments on each bill to Experian®, Equifax®, and TransUnion®. No more worrying about which score a lender will use, because StellarFi counts toward all of them.

Choose a reliable partner with skin in the game.

Unlike other credit-building tools, StellarFi reports any linked bill payments to Experian®, Equifax® and TransUnion®. Then, we optimize your StellarFi credit account to minimize your credit utilization ratio. This approach is the most effective and reliable way to build credit.

No interest, no deposits,
no limits.

StellarFi is NOT a secured card. There's no deposit required to build credit, and no hidden fees. Plus, StellarFi memberships allow you to link any type of bill.


What is StellarFi?

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.

How does it work?

It only takes a few steps to begin building your credit with StellarFi. Activate your StellarFi membership in three minutes by creating a profile and linking your bank account. Once in the dashboard, members can activate credit monitoring and set up billers to automatically pay any recurring expense. From there, StellarFi handles your credit building. StellarFi connects to individual billers and pays the bills on behalf of users. After the bill is sent, StellarFi collects the amount owed from users’ linked bank accounts, then reports positive payment history to Experian, TransUnion, and Equifax.

Why should I use StellarFi?

StellarFi is the first and only app that reports an unlimited amount and variety of bill payments directly to Experian, TransUnion, and Equifax, quickly building a positive payment history for its members. As a public benefit corporation, StellarFi is uniquely aligned to serve the underresourced by making good credit universally accessible.

Who can use StellarFi?

Anyone who would like to build or repair their credit, or simply improve their score on a regular basis, will be able to accomplish their goals using the StellarFi app. StellaFi's tools are also useful to anyone who would like to consolidate their bill payments in one simple platform. You must have a valid social security number and be over the age of 18 to use StellarFi.

Can I pay my bills with StellarFi?

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!

How is StellarFi different from credit builder loans?

Unlike credit builder loans, we don’t require our members to remit monthly payments on a secured loan or ask for deposits. We simply pay your bills and withdraw money from your account to cover those bills.

How does StellarFi impact your credit report?

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). Within the next month, we will be reporting to all three major credit bureaus (TransUnion, Experian, and Equifax) and will use on-time StellarFi payments as factors contributing to official credit scores.

Still have questions?

Read our full FAQ to find what you're looking for.

Start building credit with StellarFi

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On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. StellarFinance, Inc. will report your on-time payments to Experian®, Equifax® and TransUnion®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.