Pricing

A Membership for Every Credit Journey

Monthly
Yearly
Save 25% when you pay yearly

Lite

The bare essentials for those with only a few bills.

$4.99/mo
Bundle value of $14.99/mo
No credit check. Easy enrollment.

Prime

For those with many bills looking to build credit fast.

$9.99/mo
Bundle value of $34.99/mo
No credit check. Easy enrollment.
*Sign up with Prime and pay only $0.99 for your first month.

Premium

Build credit by paying all your bills on your own schedule.

$29.99/mo
Bundle value of $39.99/mo
No credit check. Easy enrollment.

Lite

The bare essentials for those with only a few bills.

$45.99/yr
Bundle value of $59.88/yr
No credit check. Easy enrollment.

Prime

For those with many bills looking to build credit fast.

$89.99/yr
Bundle value of $119.88/yr
No credit check. Easy enrollment.
*Sign up with Prime and pay only $0.99 for your first month.

Premium

Build credit by paying all your bills on your own schedule.

$269.99/yr
Bundle value of $359.88/yr
No credit check. Easy enrollment.

Compare Memberships

Features

Lite

Prime

Premium

Build credit with bills

Lite

Prime

Premium

Features

Lite

Prime

Premium

Identity Protection

Lite

Prime

Premium

Essentials

Lite

Prime

Premium

FAQ

Still have questions?

There are absolutely NO hidden fees.
We have complete overdraft protection for your bills if you have sufficient funds in your linked bank account. If a bill is not paid on time, StellarFi does not charge any additional fees, but we recommend that you check with your bank on any fees they might charge there.
That’s entirely up to you! You can see all of StellarFi’s features in our pricing page. Our Prime plan has the most impact for the best value.

You can pause or cancel your membership at any time by logging into your account and clicking on your user profile. You’ll see the pause and cancel options by selecting the three dots next to ‘Personal Information’ and select ‘Manage Account’. You can also reach out to our Support Team at support@stellarfi.com or chat with us if you need help.

Pausing is a great option and will keep your credit account open which does not negatively impact your credit score.

The membership fee will not be charged while your account is paused. Since StellarFi is reporting on-time payments as a credit account to credit bureaus, canceling your membership could negatively impact your credit score. If you choose to pause or cancel your membership, be aware that any linked bills will need to be manually paid outside of StellarFi to avoid interruption with your billers.

Please note that if we have paid a linked bill but the funds have not yet been withdrawn from your account, we will not be able to immediately cancel your membership. Your membership will remain active until outstanding paid bills are withdrawn from your linked bank account. We will notify you once your account has been closed.

Yes, you can. Simply contact us at support@stellarfi.com or through the chat function in your app to change.

StellarFi has three plans to meet your personal financial needs: Lite ($4.99/mo), Prime ($0.99 30-day trial, then $9.99/mo), and Premium (coming soon – $29.99/mo). Each plan has our Lite features, with additional features for other plans to support your credit journey. We pride ourselves on the fact that we have ZERO hidden fees.

StellarFi uses your bank account to pay the bills we report to the credit bureaus. StellarFi can report positive payment history by paying your bills on your behalf. We aren’t a lender (loan nor credit card), so we debit your connected bank account for the amount of that bill after we pay it. Without your connected bank account, we won’t be able to pay your bill, which means that we can’t report your positive payment. Your connected bank account makes it possible for StellarFi to increase your credit score.

Account set up times may vary, but we found that most users can set up a StellarFi account in under three minutes.

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

Pricing

Start building credit with StellarFi