Build Credit with Every Bill You Pay.

Most of your bills don't help build your credit score. With StellarFi they do.

Score Simulator
Linked Bills
Credit Score Projection
Payments Calendar
Score projection
Build Credit Fast

StellarFi improves factors that make up 80% of your score

No credit check. No interest. No deposits.

Credit age

Build credit age by keeping your StellarFi account open while you’re a StellarFi member.

Credit use

Get rewarded for your on-time payments. Every time you pay a bill through StellarFi, your reported limit goes up, helping you maintain a positive credit-to-debt ratio.

On-time payments

Use the StellarFi app to pay bills on time, building a positive payment history with Experian® and Equifax®.


Why should you care?

StellarFi works with you on something you already do – pay your bills. But most of your bill payments go unreported because they are not made on loans or credit cards.

Every month you pay your bills on time, yet that positive money habit isn’t reflected on your credit report. StellarFi changes that. With your StellarFi Bill Pay Card we pay the bill, you automatically pay us back, and we report your on-time payments to Experian® and Equifax®. Now your everyday bill payments, like your phone bill, rent, gym membership, and favorite streaming service, can increase your credit score. Easy peasy.

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.


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.

How it works

Link checking account

Sign up and link a checking account that you normally use to pay your bills.

Add your monthly bills

Add recurring bills you'd like to use to build your credit, like your rent, utilities, or streaming services.

Pay bills & build credit

StellarFi pays your bill, you automatically pay us back, and we report your on-time payment to the major credit bureaus.

Testimonials that speak louder than words

Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit-building with every bill.


StellarFi is a Public Benefit Corporation that solves one of the biggest economic problems faced by American consumers: access to credit. We make it easy for people to manage bills and build credit. StellarFi reports payments to Experian® and Equifax® to build payment history. We also report a credit limit that can grow up to $25,000 for Prime members. Limit grows based on bills paid through StellarFi.

We’ve figured out how to solve the credit score algorithm with a system designed to positively influence your credit score, exemplified. The result has a dramatic effect on your overall financial health.

How do we do this?

We report the bill payments made through StellarFi directly to the credit bureaus similar to a line of credit.

Because they are on-time, successful payments, and recurring payments naturally build up positive payment history, they have the ability to increase your score.

Ok, but how does it actually work?

  1. Connect a bank account that you normally use to pay your bills.
  2. Choose the bills that you want to pay through StellarFi and link them in the dashboard.
  3. When the due date arrives for a bill, or when you want to manually pay a bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill.
  4. If your account balance is sufficient, StellarFi pays your bill.
  5. At the same time, you’ll automatically authorize a debit from your connected bank account for the amount of the bill.
  6. At least once a month, StellarFi batch reports your StellarFi Limit (which is based on the dollar amount of bills you’ve paid through StellarFi) to all major credit bureaus.

By continuously linking recurring bills and setting them up to be paid automatically, we report this positive payment history directly to the credit bureaus. That is because StellarFi reports all bills as credit. We are not a lender. But since we’re making the payments on your behalf, we’re able to reliably report positive payment history to all major credit bureaus (Experian® and Equifax®) and help build credit.

When your credit score goes up, you’ve also managed to unlock more possibilities that didn’t exist before. Want to buy a house? A car? Take out a loan? You’ve set yourself up for success with StellarFi and from there, it’s up to you. The sky’s the limit!

We offer three different membership plans:

Lite $4.99/mo

Prime $0.99 trial the first 30 days, $9.99/mo after that

Premium $19.99/mo (coming soon)

The membership fee is charged the same day you enroll and there are NO hidden fees. The fee will then be charged on the same day each month thereafter. For example, if you enroll on January 1st, your membership fee is charged on January 1st and your next fee is due on February 1st, etc.

You’re at least 18 years old and a US resident with a valid Social Security number.

Our verification process may require some applicants to submit documentation such as a state-issued ID/Drivers License, Social Security card and/or a utility bill to confirm your identity. If that is required, we’ll let you know.

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, 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.

Yes! By paying bills with your StellarFi Virtual Bill Pay Card, your bills are paid on time and payments are reported to Experian® and Equifax®.

We aren’t a lender or a credit card. We pay your bills and withdraw money from your account to cover those bills. Other companies act as a third party by simply reporting a generalized summary of your payment history. Because StellarFi is paying the bill on your behalf and you’ll then automatically authorize repayment, we are able to directly impact your credit score as an account on your credit report. As a result, we report your positive history and build your credit in a reliable way.

Still have questions?

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


Start building credit with StellarFi