A membership for every credit journey.

Lite

$4.99/mo
The bare essentials for those with only a few bills.

Top Features:

Automatically build credit with bills (up to $500 bill limit)
Create custom credit goals
Credit reporting to Experian®, Equifax®, TransUnion®
No credit check. No interest. No deposits.
Retail value of $14.99/mo
Most Impact
Best Value

Prime

$9.99/mo
Autopay all your bills, build your credit, and get paid back for the bills you pay.

Everything in Lite, plus:

Automatically build credit with bills (up to $25K bill limit)
Credit building rewards
1-on-1 credit counseling
No credit check. No interest. No deposits.
Retail value of $34.99/mo
Compare all plans

Coming Soon

$19.99/mo
Build credit by paying all your bills on your own flexible schedule.

Everything in Prime, plus:

Flexible bill pay dates
Pay with ACH transfer
Credit security tools
No credit check. No interest. No deposits.
Retail value of $39.99/mo
Compare all plans

Compare StellarFi memberships

Features

Lite

Prime

Premium

Build credit with bills
Up to $500*
Up to $25K**
Unltd
Unlimited
Unltd

Let StellarFi automate and pay your bills while you build credit.

*Up to $500 bill spending limit for Lite.
**Up to $25,000 bill spending limit for Prime.
***Bill spending limit increases after first completed payment.

Report to Experian, Equifax, TransUnion
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We report your bill payments to major credit bureaus, just like a lender would.

Referral credits
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Earn credits toward your bills and membership fee with every friend you refer.

Pay with card
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Simply swap your existing payment method with your biller to your StellarFi card and automatically build credit.

Bill payment rewards
Not Included
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Coming soon — Using Stellar is cheaper than paying bills yourself! Get cash rewards from successful payments and put those dollars toward your next payments.

1-on-1 live credit coaching
Not Included
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Get connected with credit coach who will create a customized plan of action just for you.

Pay with ACH transfer
Not Included
Not Included
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Coming soon — Pay any bill using your StellarFi account (ACH transfer).

Flexible bill payment dates
Not Included
Not Included
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Coming soon — Have a bill due before payday? StellarFi can pay your bill on time, and you can repay StellarFi within 60 days interest-free. Restrictions may apply.

Identity Protection

Lite

Prime

Premium

Credit safety lock
Not Included
Not Included
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Coming soon — Lock your credit account and prevent anyone from being able to access your credit report, from banks and lenders, to identity thieves.

Credit report dispute
Not Included
Not Included
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Coming soon — Easily dispute inaccurate information that may be damaging your credit.

Darkweb monitoring
Not Included
Not Included
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Coming soon — Find out if your information has been shared on the dark web by hackers and identity thieves.

SSN monitoring
Not Included
Not Included
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Coming soon — Safeguard your Social Security Number against data breaches and theft with SSN monitoring services.

ID theft insurance & restoration
Not Included
Not Included
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Coming soon — Get up to $1 million in protection against the expenses of repairing damage from identity theft, such as fees and legal costs.

Change of address monitoring
Not Included
Not Included
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Coming soon — Receive alerts when a new address is associated with your personal information. Receive alerts when a new address is associated with your personal information.

Essentials

Lite

Prime

Premium

Expert credit education
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Deepen your financial knowledge with guides and tips from the experts at StellarFi.

Personalized perks
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Coming soon — Receive personalized credit offers tailored to your financial goals.

Credit reports from major bureaus
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See your Experian® credit report in StellarFi. Coming soon — Reports from other bureaus.

Bill monitoring and status
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Keep track of your monthly bills including amounts and dates due.

Bill pay auto withdrawal
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Link your bills and let StellarFi handle the rest.

Bill payment notifications
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Be notified when you have an upcoming bill.

Overdraft protection
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We will never overdraft your account.

Easy-to-read credit tracker
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Reflect on your progress with an easy-to-read score history tracker. You'll never have to guess what's on your credit report–check your credit report in StellarFi.

Create custom credit goals
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Set a goal, like buying a house, and receive personalized guidance and tips

Credit score monitoring
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Keep a close eye on your score, with up-to-date monitoring access.

Credit score alerts
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Let StellarFi keep you informed about changes that can affect your credit in real time.

Credit score simulator
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Estimate and plan your score improvements based on certain behaviors.

Debt-to income-calculator
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See how your monthly debt payments compare to your monthly income. Lowering your DTI can raise your credit significantly.

Dynamic score projections
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Estimate your score improvements based on bills you set up with StellarFi.

FAQ

Are there any hidden fees?

There are absolutely NO hidden fees.

Are there overdraft fees if one of my bills is not paid on time?

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.

How do I know which plan is best for me?

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.

How do I pause or cancel my membership?

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.

Can I change my subscription?

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

How much does StellarFi cost?

StellarFi has three plans to meet your personal financial needs: Lite ($4.99), Prime ($9.99), and Premium ($19.99). 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.

How long does it take to set up an account?

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

Still have questions?

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

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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.