Are you a lender or a credit card?

No, we don’t provide personal loans or offer traditional credit through a credit card or line of credit.

StellarFi is a credit-builder tool.  We pay your bills - the ones that you wouldn't normally be able to report positive payment history to the credit bureaus. When you create a StellarFi account, you will be prompted to link your checking account.  Our system then checks to see if your checking account has available funds to cover the amount of the bill. If so, StellarFi will automatically pay the bill on its due date, then you'll automatically authorize repayment. We'll debit your linked bank account for the amount of the bill. This is how we report positive payment history!



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