Affiliate - Homebuyer

Build Credit to Buy a Home​

A better credit score can get you approved for the best mortgage loan rates.

StellarFi members on average grow their credit score by 80 pts.1
Affiliate - Homebuyer

Build Credit to Buy a Home​

A better credit score can get you approved for the best mortgage loan rates.

StellarFi members on average grow their credit score by 80 pts.1

Homeownership is within reach

Dont let bad credit stand in the way of your home purchase. With StellarFi, you can quickly build your credit score using the bills you already pay so you can get approved for a favorable mortgage rate. Unlock better rates and access more home-buying options with a better score. 

How StellarFi works

Get your free credit score

Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.

Affiliate - Homebuyer

Add and pay your bills

Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to all major credit bureaus each month.

Affiliate - Homebuyer

Build your score

See your credit score increase while we build your payment history, optimize your credit utilization, and more.

Affiliate - Homebuyer

Your credit score, elevated by StellarFi

On average, StellarFi members increase their score by 80 pts.2 StellarFi can grow your credit score after our first reported batch of payments. 

Try StellarFi Prime for just $0.99 and start building your score.3

0

6-month score projection

Calculate your new credit score4

Your credit score today

How much do you pay in bills monthly?

How it works

Enhance your credit profile with smart bill management

Not every bill payment supports your credit score growth. But with StellarFi, they do. 

Use code ROCKET10 to receive $10 toward your bills or membership fee.

Know your credit score

The first step is to know where you stand today. Get your credit score and report for free through StellarFi.

Get your bills in one place

Add your bill to your StellarFi dashboard. Think of it as a one-stop shop to know when your bills are due, and what their amounts are.

Build your credit score

We'll pay your bills automatically on their due date and pull the bill amount from your connected bank account. Your payments will be reported as credit to the major bureaus monthly.

The cost of having bad credit

Save thousands of dollars when you build your credit score with StellarFi.

Affiliate - Homebuyer

Car Loan / 6 years / $38,892

Save over $4,000 when you build your credit score with StellarFi.

Without StellarFi

Total Payments$51,044
Interest Rate21.33%
Credit Score580

With

StellarFi Logo
Total Payments$47,044
Interest Rate6.33%
Credit Score720
*Estimate based on a new car purchase made in 2023. Based on Experian® data.
Affiliate - Homebuyer

Home Loan / 30 years / $381,892

Save over $100,000 when you build your credit score with StellarFi.

Without StellarFi

Total Payments$710,044
Interest Rate9.33%
Credit Score620

With

StellarFi Logo
Total Payments$581,892
Interest Rate6.75%
Credit Score720

*Estimate based on mortgage rates for a new home purchase made in 2023. Based on Experian data.

Affiliate - Homebuyer

Credit Card / 5 years / $4,892

Save over $10,000 when you build your credit score with StellarFi.

Without StellarFi

Total Payments$19,725
Interest Rate23%
Credit Score590

With

StellarFi Logo
Total Payments$7,826
Interest Rate14%
Credit Score720

*Estimate based on credit card rates in 2023. Based on Experian data.

A membership for every credit journey

Monthly
Yearly

Lite

Automatically build credit fast with less than $500 in monthly bills.

$4.99/mo

Bundle value of $14.99/month.

No credit check. Easy approval.

Prime

Automatically build credit even faster with up to $25k in monthly bills.

$9.99/mo

Bundle value of $34.99/month.

$0.99 trial for first 30 days. No credit check.
Easy approval.

Premium

Automatically build credit with all bills plus get bill pay flexibility.

$29.99/mo

Bundle value of $34.99/month.

No credit check. Easy approval.

Lite

Automatically build credit fast with less than $500 in monthly bills.

$45.99/yr

Bundle value of $14.99/month.

No credit check. Easy approval.

Prime

Automatically build credit even faster with up to $25k in monthly bills.

$89.99/yr

Bundle value of $34.99/month.

$0.99 trial for first 30 days. No credit check.
Easy approval.

Premium

Automatically build credit with all bills plus get bill pay flexibility.

$269.99/yr

Bundle value of $34.99/month.

No credit check. Easy approval.

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.

Start today for less than $1


1 80 pt potential increase based on StellarFi member data. StellarFi members observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime, with regular on-time payments. Results may vary.

$0.99 trial for first 30 days.

StellarFi’s Score Projection Calculator is an educational tool to help people better understand how different activities affect their credit score. Projections use the VantageScore 3.0 credit score model, based on your Experian credit report. Projections have no impact on your credit score and are not precise predictions. Estimated outcomes are not guaranteed to occur. For more information, please read our FAQ.

4 Potential increase based on StellarFi member data. StellarFi numbers observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime. Score increase based on members with an incoming score range of 300-499 pts, who made regular on-time payments, with regular on-time payments. Results may vary.

Credit score increase based on StellarFi members’ data. Credit score increase not guaranteed. Credit scores will only be available to members whom we are able to validate. On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus, which may negatively impact your credit score.