StellarFi

StellarFi is a fintech credit-building platform based in Austin, Texas, founded in 2021.

As a public benefit corporation, its mission is to enhance access to credit for financially disadvantaged and underbanked communities. StellarFi allows individuals to build or improve their credit scores by reporting on-time payments of recurring bills, such as rent and utilities, directly to major credit bureaus. The platform offers services that include bill payment and credit reporting, where it pays users' bills on their behalf, allowing them to repay StellarFi. This service does not require a credit check, interest, or deposits. StellarFi provides various subscription plans, including options for different spending limits. Additionally, it features credit tools, a Builder Card with multiple tiers, and a future credit marketplace to connect users with lenders. StellarFi aims to empower those often excluded from traditional credit systems, helping them build credit without incurring debt.