About Us

On a Mission

StellarFi is a public benefit corporation on a mission to make good credit universally accessible.

Why we made StellarFi

Credit is the foundation of financial wellness. Without credit, over 130 million Americans have no path to homeownership and no safety net for financial emergencies.

Poor credit isn’t just a result of poverty—it’s a driver. That’s why we created a fully accessible credit-builder, with no deposits, no interest fees, no added debt, and no barriers to the people who need it most.

What sets us apart

StellarFi is the first and only tool that turns ordinary bills—like streaming services, utilities, rent, and more—into credit-builders, by reporting payments to Experian®, Equifax®, and TransUnion®.

A new era of credit-building

A widespread use of credit scores began in the 1980s. Like other things from the ‘80s—leg warmers, VHS tapes, and hair bands—the way we build credit has become outdated.

Right now, Americans must have credit to get credit. This paradox simply doesn’t make sense. StellarFi modernizes credit-building by removing unnecessary hurdles and making credit radically accessible.

We're closing the credit gap

Credit scores are statistically lower among marginalized groups, such as LGBTQ communities, BIPOC Americans, low-income individuals, people with disabilities, and immigrants.

These score disparities are difficult to overcome through traditional credit-building methods. StellarFi offers a path to credit access using something we all have....bills.

StellarFi Partners

National Foundation for Credit Counseling

Our partner, the National Foundation for Credit Counseling (NFCC), is a financial counseling organization serviced by thousands of accredited financial advisors nationwide, with the mission to help Americans gain control over their finances. As a result of our partnership, all StellarFi members have free access to one-on-one credit counseling from the NFCC.

StellarFi Partners

Stacey Tisdale

Stacey Tisdale is a 20-year veteran and award winning TV broadcast financial journalist and financial behavior expert. Along with being a co-founding partner of StellarFi, Stacey heads up the financial education platform Mind Money Media and co-hosts Wealth Wednesdays with Angela Yee.

StellarFi Partners

Angela Yee

Co-founding partner, multimedia personality, and entrepreneur Angela Yee is the co-host of iconic radio show The Breakfast Club and a passionate advocate for financial literacy. Angela talks credit, investing, entrepreneurship, and more on Wealth Wednesdays with fellow StellarFi co-founding partner, Stacey Tisdale.

StellarFi is a Public Benefit Corporation

Good credit empowers individuals. Empowered individuals strengthen their communities. And strong communities change the world.

Backed by the world's best investors

Our leadership team

Different backgrounds, different stories, and different strengths—all united by the same mission.

Lamine Zarrad
Founder / CEO

Prior to Stellar, Lamine founded FinTechs Tokken and Joust. Lamine is an immigrant and former U.S. Marine.

Joshua Holley
VP of Operations & Finance

Josh is an veteran finance & accounting professional with a history of working in high-growth startups. As a former U.S. Marine and entrepreneur, Josh is an advocate for veteran entrepreneurship.

Geoff Massanek
VP of Engineering

Geoff is an seasoned software engineering leader with a passion for building meaningful products and highly performing engineering teams.

Vicki Apodaca
Head of Marketing

Vicki is an FinTech marketer and changemaker with a passion for helping underserved communities.

Join the StellarFi crew

Shape the credit-building revolution with our top-notch team.

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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.