Affiliate - PersonaFi

Achieve financial freedom

Your financial wellness starts with your credit score – PersonaFi partnered with StellarFi to help.

Use code PERSONAFI10 to enter the giveaway and receive $10 toward your bills or membership fee. Terms apply.

Welcome to StellarFi, PersonaFi community!

PersonaFi is dedicated to empowering retail investors by fostering a collaborative environment where learning, sharing, and mentorship flourish. StellarFi unlocks financial opportunity by building your credit score through the bills you’re already paying every day. Together, let’s be the future of financial wellness!

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 - PersonaFi

Add and pay your bills

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

Affiliate - PersonaFi

Build your score

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

Affiliate - PersonaFi

Your credit score, elevated by StellarFi

On average, StellarFi members increase their score by 80 pts.1 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.2

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6-month score projection

Calculate your new credit score3

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.

A membership for every credit journey

Lite Membership

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

No credit check. Easy approval.

Prime Membership

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

No credit check. Easy approval.

Premium Membership

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

No credit check. Easy approval.

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.

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

Use code PERSONAFI10 to receive $10 toward your bills or membership fee. Terms apply.


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.

$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.

“PERSONAFI10” Promotion by StellarFinance Inc. (“StellarFi) and its affiliates is valid 2/8/2024 -4/12/2024 23:59:59 EST and is limited to those who sign up for a new account on StellarFi, are existing members of StellarFi, and (i) do not have a paused, locked, or closed account, and (ii) have a Lite, Prime, or Premium StellarFi membership Plan, and (iii) have successfully completed a bill payment through StellarFi. Promotion expires 4/12/2024 23:59:59 EST. Individuals will receive a credit to their account of $10 USD, which may be used as “Credits” toward their future membership fees or bills. “Credits” will automatically be applied to the next withdrawal on a StellarFi account. “Credits” may not apply as a refund to any bills or fees and never be redeemed for cash. The credit deposit will come in the form of a deposit labeled as “PERSONAFI10”, and will be available in a member’s account within 30 days after they meet the criteria set forth above. StellarFinance, Inc. reserves the right to modify or cancel the offer at any time. Individuals are limited to use of one “PERSONAFI10” credit per account. Only applicable to qualified StellarFi members or prospective members. See StellarFi’s full Terms of Service here.

Program is void where prohibited or if accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these terms, or irregular in any way.

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.

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.