Lunch Money ◆
Lunch Money is a personal finance tracker that auto-categorizes transactions and lets you set recurring budgets with rollover rules.
Free·from $10/mo
About StellarFi
What is StellarFi?
StellarFi is a credit-building service that pays your monthly bills (rent, utilities, subscriptions) on your behalf and reports those on-time payments to Experian, Equifax, and TransUnion. Unlike traditional credit cards, you don't take on debt—you simply repay StellarFi for the bills they pay, with no interest charges.
Who is it for?
StellarFi is designed for people with thin or no credit history, renters who want their rent to count toward credit, and anyone rebuilding credit after financial setbacks. It's not for people who already have strong credit or want a traditional loan product.
How it works
You connect your recurring bills to StellarFi, they pay them using their own funds, and you repay them later. Each on-time payment helps build your credit score. StellarFi also offers a smart card with three levels (Silver, Gold, Stellarite) that grow your spending power and rewards as you build better habits.
Real use case
For example, a renter paying $1,200/month in rent can have those payments reported to credit bureaus, potentially adding years of positive payment history. Members report credit score increases of over 100 points within months.
Key features
- Bill Payment — StellarFi pays your recurring bills on your behalf
- Credit Reporting — On-time payments reported to Experian, Equifax, and TransUnion
- Smart Card Levels — Silver (secured, $500 limit, 1x rewards), Gold (semi-secured, $5,000 limit, up to 5x rewards), Stellarite (unsecured, $25,000 limit, up to 15x rewards)
- Credit Dashboard — Track your score, progress, and growth opportunities in one place
- AI Action Plan — Personalized suggestions each month to help improve your credit
- No Debt — You're not borrowing money, just paying bills through StellarFi
StellarFi Pricing
StellarFi pricing: from $4.99/mo. Billing model: Subscription.
StellarFi Membership
StellarFi offers a bill-paying credit-building service starting at $4.99/month. The exact plan details are based on your card level - Silver, Gold, or Stellarite - each with different spending power, deposit requirements, and rewards rates. All credit scores welcome with no impact on your credit for applying.
Frequently asked questions
How much does StellarFi cost per month?
StellarFi pricing starts at $4.99/month. The cost depends on your card level (Silver, Gold, or Stellarite), which determines your spending limit and rewards rate.
Does StellarFi report to all three credit bureaus?
Yes, StellarFi reports on-time payments to Experian, Equifax, and TransUnion—all three major credit bureaus.
Is StellarFi a credit card or a loan?
StellarFi is not a loan. They pay your bills on your behalf, and you repay them later with no interest. They also offer a smart credit card with different levels for spending power.
Who is StellarFi best for?
StellarFi is best for people with thin or no credit history, renters wanting rent payments to count for credit, and anyone rebuilding credit after setbacks.
What are StellarFi alternatives?
Popular alternatives include Experian Boost, eCredable, and Self—but only StellarFi combines bill payment, credit reporting, and a rewards card in one platform.
What is the maximum credit limit with StellarFi?
The maximum limit is $25,000 on the Stellarite (unsecured) level. Gold offers up to $5,000 and Silver up to $500.
