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.
Get connected with credit coach who will create a customized plan of action just for you.
Coming soon — Using Stellar is cheaper than paying bills yourself! Get cash rewards from successful payments and put those dollars toward your next payments.
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.
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.
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.
There are absolutely NO hidden fees.
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.
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.
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 firstname.lastname@example.org 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.
Yes, you can. Simply contact us at email@example.com or through the chat function in your app to change.
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.
Account set up times may vary, but we found that most users can set up a StellarFi account in under three minutes.
Read our full FAQ to find what you're looking for.