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.
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® and Equifax®.
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 Like other things from the ‘80s — leg warmers, VHS tapes, and hair bands — the way we build credit has become outdated.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 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
Join the StellarFi crew
Shape the credit-building revolution with our top-notch team.