Credit Check
Plans start at $0.99/mo.
Number of Bureaus
Experian® and Equifax®
Checking Account Required
Credit Recommended
Limited/No, Bad, Fair
Product Type
Credit builder and bill payment tool that automatically reports payments as a line of credit.

Offer Overview

  • Two-minute onboarding, then StellarFi handles the rest
  • Easily build your credit score and get bills paid on time
  • No interest fees, no deposit, and no credit check
  • Access 1-on-1 credit counseling and education
  • Try StellarFi Prime for $0.99 for 30 days

Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category. may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.