Who we are.

We're on a mission to transform people's lives by delivering tools that elevate their financial wellbeing.

We know firsthand what it's like...

To be at the mercy of an antiquated system designed to make good credit inaccessible to many.
To be dismissed by big institutions that uphold exclusionary standards.
We know what you’re up against.
Because we've had to
forge our own path, too.

What is StellarFi?

We are a Public Benefit Corporation on a mission to enable universal access to good credit. We believe that late bill payments and poor credit are not simply consequences of poverty but, rather, its drivers.

StellarFi is the first and only credit builder that reports a bill payments directly to Experian, TransUnion, and Equifax, quickly building a positive payment history for members.

Our guiding principles


We will ensure that good credit is within reach for anyone who pays bills on time.


We will make financial tools simple and available to all.


We will empower underserved communities to disrupt poverty cycles and build generational wealth.

Our core values


We will not settle and will always strive to create better ways to solve problems.


We denounce mediocrity and leave everything on the field, with no exceptions.


We will never give up on our aspirations and, no matter what, will always find a way.


We explore new ideas, unique worldviews, and experience life as much as possible.

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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.