Price of Avocado Toast

Pay bills on time with StellarFi

Join StellarFi’s bill payment app and grow your credit score at the same time. Use our referral code to get started.

Ambassador - Price of Avocado Toast
Ambassador - Price of Avocado Toast
Ambassador - Price of Avocado Toast
Ambassador - Price of Avocado Toast
Ambassador - Price of Avocado Toast
Ambassador - Price of Avocado Toast




Ambassador - Price of Avocado Toast

StellarFi Virtual Bill Pay Card

One card to pay your bills.

Get instant access to your StellarFi Bill Pay Card with StellarFi. Pay all your bills on time with a flexible and easy way to raise your credit.

Pay and manage your bills

Add and manage your bill payments to your StellarFi dashboard. Track your on-time bill payments in one spot.

Report up to a $25K credit limit

Your bill payments are reported to the major credit bureaus, improving a credit score that matters to lenders. Next stop: the 800 club!

Monthly limit increases

Always access your updated credit report and score in the app. Your reported StellarFi Limit increases with bill payments made monthly.

Auto-pay all your bills on time

Once you add your bills to StellarFi, your StellarFi Bill Pay Card will auto-pay your bills. Your virtual card can be used everywhere card payments are accepted.

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


6-month score projection

Calculate your new credit score3

Your credit score today

How much do you pay in bills monthly?

Earn money with StellarFi too!

StellarFi members can earn thousands in extra cash monthly by referring their friends. Must be a StellarFi member to earn money. Read full terms here.

Join StellarFi's Ambassador Program

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Fill out a two-minute application to apply for StellarFi’s Member Ambassador Program. (Remember: You must be a member of StellarFi’s app to join!)

Start earning with your referral code

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Your StellarFi referral code is the key to earning. Once accepted, send your code to friends and earn monthly income every time they pay their StellarFi membership fees and bills.

Get cash monthly

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We’ll send you your earnings monthly to the bank account connected to your StellarFi account, giving you a cushion of extra income.

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 high credit limit that can grow up to $25,000 for Prime members.

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 the first 30 days, then $9.99/mo after that

Premium $29.99/mo (coming soon)

As a public benefit corporation, we continually speak to our members and make strides to improve their financial wellbeing. We realized many members struggling to make their bill payments. That’s when the ambassador program idea came to light. We wanted to make a program that allowed our members to receive passive monthly income.
How do we do this?
Ambassador program members can refer their friends to StellarFi using their referral code.
Once their friends join StellarFi, adds their bills, and starts paying them through the platform, the ambassador program member will then receive a percentage of each bill and fee payment directly.
This means that both members will benefit from credit building, and those that refer members will also benefit with additional income in their pocket.
Any fine print?

  • Referred members need to successfully pay their membership fees and bills through StellarFi.
  • Both members must have a Prime or Lite membership plan.
  • Earnings are made as long as both users are members of StellarFi.
  • Your earnings are taxable and you will need to file as an independent contractor for these earnings.
  • If their account is locked or closed for any reason, the ambassador program member will no longer receive passive income from these payments being made.

All members are encouraged to pay as many bills as possible through StellarFi–this is the fastest way to grow your credit score with StellarFi!

Once you opt in to the program, any friends you refer will be part of your earnings. Remember that you will use your StellarFi referral code to refer them (that’s how we know YOU referred them and not someone else!)
You will earn for any Direct referrals. For any 2nd, 3rd, 4th, or 5th down-line referrals, they will need to join the member ambassador program in order for us to issue your earnings from their payments. It’s free for them to join the program – they just have to apply here once they’re referred. You can ask any past referrals you’ve made to join the program and you will start earning from them once they opt in.

How to get paid
We will see how many friends you referred on or around the 15th of each month. We will then direct deposit funds to your connected bank account to StellarFi. We will not issue funds to any other account of your choosing. Please make sure the bank account you have connected to StellarFi will allow for funds to be deposited and that it is your primary bank account. These funds should clear within 5-7 business days.

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.

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.

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Join StellarFi today

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® and Equifax®. 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.

1 Potential earnings based on StellarFi Member Ambassador Program member referring the selected number of friends. Additional earnings based on each friend referring three new friends. Monthly payout calculation is purely an estimate. Monthly payout amounts based on the calculator are not guaranteed. Payment tiers cap at the 5th down-line referral.