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
Build Credit Fast

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

No credit check. Easy approval.

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?

Your credit score is supposed to reflect how likely you are to pay your bills on time. 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.


Link and pay your bills

Consolidate your bills in the StellarFi app and we’ll make sure they're paid on time.


Build your credit with TransUnion, Experian and Equifax

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, and
no limits.

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


What is StellarFi?

StellarFi is an app designed 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 using an invisible line of credit, we’re able to reliably report positive payment history to credit bureaus and help build credit.

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. StellarFi'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 to use Stellar.

How does it work?

It only takes a few steps to build your credit with StellarFi. Individuals can onboard in three minutes by creating a profile and linking their bank account. Once in the dashboard, users activate credit monitoring and set up billers to automatically pay any recurring expenses. 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, Equifax, and TransUnion.

Why should I use StellarFi?

We are the only reliable credit builder that helps you pay your bills on time and requires no deposit. StellarFi users will have the chance to earn rewards as they use the app. As a public benefit corporation, StellarFi is uniquely aligned to serve the underresourced by making good credit universally accessible.

Do I need to have a credit score to apply?

No, not at all. That’s why we’re here to help!

Still have questions?

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


Be the first to try StellarFi

Join the StellarFi waitlist today. If you already opted in to our beta program, head to our beta page.

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