A membership for every credit journey.


The bare essentials for those with only a few bills.

Top Features:

Automatically build credit with bills (up to $500 bill limit)
Create custom credit goals
Credit reporting to Experian®, Equifax®, TransUnion®
No credit check. No interest. No deposits.
Retail value of $14.99/mo
Most Impact
Best Value


Autopay all your bills, build your credit, and get paid back for the bills you pay.

Everything in Lite, plus:

Automatically build credit with bills (up to $25K bill limit)
Credit building rewards
1-on-1 credit counseling
No credit check. No interest. No deposits.
Retail value of $34.99/mo
Compare all plans

Coming Soon

Build credit by paying all your bills on your own flexible schedule.

Everything in Prime, plus:

Flexible bill pay dates
Pay with ACH transfer
Credit security tools
No credit check. No interest. No deposits.
Retail value of $39.99/mo
Compare all plans

Compare StellarFi memberships





Identity Protection









Are there any hidden fees?

There are absolutely NO hidden fees.

Are there overdraft fees if one of my bills is not paid on time?

We have complete overdraft protection for your bills if you have sufficient funds in your linked bank account. If a bill is not paid on time, StellarFi does not charge any additional fees, but we recommend that you check with your bank on any fees they might charge there.

How do I know which plan is best for me?

That’s entirely up to you! You can see all of StellarFi’s features in our pricing page. Our Prime plan has the most impact for the best value.

How do I pause or cancel my membership?

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.

Can I change my subscription?

Yes, you can. Simply contact us at support@stellarfi.com or through the chat function in your app to change.

How much does StellarFi cost?

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.

How long does it take to set up an account?

Account set up times may vary, but we found that most users can set up a StellarFi account in under three minutes.

Still have questions?

Read our full FAQ to find what you're looking for.

Join our newsletter
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
By subscribing, you agree to our Privacy Policy and provide consent to receive updates.

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®, Equifax® and TransUnion®. 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.