A membership for every credit journey.


Automatically build credit fast with less than $500 in monthly bills.
Bundle value of $14.99/month
No credit check. Easy approval.
Up to $500/mo in bills reported as credit
Pay any monthly bill to build credit
Manage unlimited bills in one place


Automatically build credit even faster with up to $25k in monthly bills.
Bundle value of $34.99/month
*$0.99 trial for first 30 days. No credit check. Easy approval.
Up to $25k/mo reported as credit
Pay any monthly bill to build credit
Manage unlimited bills in one place
Personalized perks and offers


Automatically build credit with all bills plus get bill pay flexibility.
Bundle value of $39.99/month
No credit check. Easy approval.
Report all bills to the 3 bureaus
Pay any monthly bill to build credit
Manage unlimited bills in one place 
Personalized perks and offers 
Pay bills with ACH
Flexible bill payment dates

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What is StellarFi?

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.

How does it work?

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!

How much does StellarFi cost?

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.

What do I need to enroll?

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!

Are you a lender?

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.

Can I pay my bills with StellarFi?

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!

How will this help impact my credit score?

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.

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 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 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.

Still have questions?

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

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