Are you a lender or a credit card?

No, we don’t provide personal loans or traditional credit cards.

StellarFi is a credit-builder tool because we pay your bills 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 bank account.  Our system then checks to see if your bank account has available funds to cover the amount of the bill. If so, StellarFi pays the bill on your behalf. Then, we collect those funds back from you. This is how we report positive payment history!

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