Pricing
A membership for every credit journey.
Prime
$9.99/mo
Lite
$4.99/mo
Premium
$19.99/mo
Prime
$9.99/mo
Prime Membership
Lite
$4.99/mo
Lite Membership
Premium
$19.99/mo
Premium Membership
Lite
Prime
Premium
Compare Memberships
Features
Lite
Prime
Premium
Let StellarFi automate and pay your bills while you build credit. *Up to $500 bill spending limit for Lite. **Up to $25,000 bill spending limit for Prime. Bill spending limit increases after first completed payment.
We report your bill payments to major credit bureaus, just like a lender would.
Earn credits toward your bills and membership fee with every friend you refer.
Simply swap your existing payment method with your biller to your StellarFi card and automatically build credit.
Coming soon — Using Stellar is cheaper than paying bills yourself! Get cash rewards from successful payments and put those dollars toward your next payments.
Get connected with credit coach who will create a customized plan of action just for you.
Coming soon — Pay any bill using your StellarFi account (ACH transfer).
Coming soon — Have a bill due before payday? StellarFi can pay your bill on time, and you can repay StellarFi within 60 days interest-free. Restrictions may apply.
Identity Protection
Lite
Prime
Premium
Coming soon — Lock your credit account and prevent anyone from being able to access your credit report, from banks and lenders, to identity thieves.
Coming soon — Easily dispute inaccurate information that may be damaging your credit.
Coming soon — Find out if your information has been shared on the dark web by hackers and identity thieves.
Coming soon — Safeguard your Social Security Number against data breaches and theft with SSN monitoring services.
Coming soon — Get up to $1 million in protection against the expenses of repairing damage from identity theft, such as fees and legal costs.
Coming soon — Receive alerts when a new address is associated with your personal information. Receive alerts when a new address is associated with your personal information.
Essentials
Lite
Prime
Premium
Deepen your financial knowledge with guides and tips from the experts at StellarFi.
Coming soon — Receive personalized credit offers tailored to your financial goals.
See your Experian® credit report in StellarFi. Coming soon — Reports from other bureaus.
Keep track of your monthly bills including amounts and dates due.
Link your bills and let StellarFi handle the rest.
Be notified when you have an upcoming bill.
We will never overdraft your account.
Reflect on your progress with an easy-to-read score history tracker. You'll never have to guess what's on your credit report–check your credit report in StellarFi.
Set a goal, like buying a house, and receive personalized guidance and tips
Keep a close eye on your score, with up-to-date monitoring access.
Let StellarFi keep you informed about changes that can affect your credit in real time.
Estimate and plan your score improvements based on certain behaviors.
See how your monthly debt payments compare to your monthly income. Lowering your DTI can raise your credit significantly.
Estimate your score improvements based on bills you set up with StellarFi.
FAQ
StellarFi is a Public Benefit Corporation set out to solve one of the biggest economic problems faced by American consumers -- access to credit. We make it easy for people to consolidate their bills on our platform and pay them on time. Since we’re making the payments on behalf of our users, we’re able to reliably report positive payment history to all three credit bureaus and help build credit. Get the credit you deserve with 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 take the bills that normally do not have an impact on your credit score, like utilities or streaming service subscriptions, and report them to the credit bureaus. Because you were going to pay them anyway and because recurring payments naturally build up positive payment history, they have the ability to increase your score.
Ok, but how does it actually work?
Link a bank account that you normally use to pay your bills by swapping your current payment information with your StellarFi Virtual Card number. When the due date arrives for each bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill. If your account balance is sufficient, StellarFi pays your bill. At the same time, we’ll debit your linked bank account for the amount of the bill. Basically, we pay the bill once we know that you have that amount on hand in your bank account and then we get that money back from you.
Here’s what sets us apart:
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 three major credit bureaus (Transunion®, Experian®, and Equifax®) and help build credit.
When your credit score goes up, you can unlock 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 $9.99/mo
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!
No, we don’t provide personal loans or credit cards at this time. It’s in our roadmap, and as a member, you'll be the first to hear about it when it's officially ready.
Yes! Once you’ve linked your current bills, StellarFi will make the payment on your behalf and then debit your bank account. That way we are able to report your payment history to all of the major credit bureaus!
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 collects the funds from your account, 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.
You can pause or cancel your membership at any time by logging into your account and clicking on your user profile. You’ll see the pause and cancel options by selecting the three dots next to ‘Personal Information’ and select ‘Manage Account’. You can also reach out to our Support Team at support@stellarfi.com or chat with us if you need help.
Pausing is a great option and will keep your credit account open which does not negatively impact your credit score.
The membership fee will not be charged while your account is paused. Since StellarFi is reporting on-time payments as a credit account to credit bureaus, canceling your membership could negatively impact your credit score. If you choose to pause or cancel your membership, be aware that any linked bills will need to be manually paid outside of StellarFi to avoid interruption with your billers.
Please note that if we have paid a linked bill but the funds have not yet been withdrawn from your account, we will not be able to immediately cancel your membership. Your membership will remain active until outstanding paid bills are withdrawn from your linked bank account. We will notify you once your account has been closed.
StellarFi has three plans to meet your personal financial needs: Lite ($4.99), Prime ($9.99), and Premium ($19.99). Each plan has our Lite features, with additional features for other plans to support your credit journey. We pride ourselves on the fact that we have ZERO hidden fees.
Still have questions?
Read our full FAQ to find what you're looking for.
