StellarFi is the first and only credit builder that reports all bill payments as credit directly to the three major credit bureaus: Experian® and Equifax®. As a public benefit corporation, StellarFi sets out to close the wealth gap by making credit universally accessible.
StellarFi (stellarfi.com) has 168 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
Also known as
stellarfi.com
Website
stellarfi.com
Category
Banking & Money
Location
Austin, Texas
Listed on Five Star Index
2026
About these reviews
Replies
The company replied to 27% of reviews.
Latest
Most recent review: May 2026.
Edits
Reviews are shown as their authors wrote them. The company can reply, but cannot edit them.
Score
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I was issued a credit card which I never used with this fraudelent company and now you are reporting me as delinquent. Unbelieveable.
HO
Heron O.
It will hurt your credit score
After paying a premium subscription for over a year, they said that they were issuing better cards but that never happened. Since August and now mid November, they claim to not be taking new customers and yet people are still signing up, this is a scam that will seriously damage your credit score
Response from StellarFiNov 16, 2024
Hi Heron,
Thank you for sharing your concerns. We appreciate the opportunity to address them.
First, we want to clarify that StellarFi has temporarily paused operations as we work to finalize a partnership with a new banking institution. This process involves meeting compliance and operational requirements, which has unfortunately delayed the rollout of new cards. We sincerely apologize for any frustration this may have caused.
During this pause, existing accounts remain active, and we continue reporting account activity to Experian on a monthly basis, fulfilling our obligation to support our members' credit-building efforts. While new members can sign up, they cannot fully utilize the service at this time. Rest assured, we will notify them as soon as our services resume.
We want to emphasize that this temporary pause does not directly impact credit scores. Scores are influenced by overall credit health, and StellarFi remains committed to supporting our members throughout this process.
If you have additional questions or concerns, feel free to reach out at [email protected]
CC
Chrystina C.
I was trying to sign up for membership…
I was trying to sign up for membership and was told could not be verified. Had the option to do manual verification which I did and was still denied because I am in the U.S Virgin Island which is part of the United States. That is crazy to me but that was after the hold was placed on my credit card. How ironic, your company has no problem requesting for a hold charge but won't accept my membership. Sucks that they lose a potential customer because of limitations.
In response to your comment I am not in any receipt of any card nor membership as of current.
Response from StellarFiAug 14, 2024
Hi Chrystina,
Thank you for reaching out, and we sincerely apologize for the inconvenience you’ve encountered.
It appears that you successfully completed our onboarding process since you received your StellarFi virtual pay card. To assist you more effectively and resolve this issue promptly, we kindly ask that you contact our Member Success Team at [email protected]. This will allow us to gather the necessary details and address your concern as quickly as possible.
We’re committed to ensuring your experience with StellarFi is seamless, and we appreciate your patience as we work to make things right.
MS
M S.
Non stop spam calls from this company I…
Non stop spam calls from this company I never signed up for anything but they won’t stop calling leave me alone
Response from StellarFiJul 25, 2024
Hi,
We sincerely apologize for any inconvenience you’ve experienced.
Please note that we do not call our members; we provide assistance exclusively through chat and email at this time. If you need any support or have further concerns, feel free to reach out to us at [email protected]. We’re here to help.
CP
Cy P.
$0.99 per month balloons into a 400% APR loan after 30 days
I signed up for stellarfi and configured it to pay a single bill for around $30 monthly. I recently discovered that I was automatically placed into the prime tier of service + charged $10 every month for the 5 months since I signed up. The Prime tier service offers no benefit for my usage of approximately $30 in monthly bill payments ... In fact, it's only useful to individuals that are paying more than $500 in monthly bills using stellarfi. This automatic enrollment into a higher-cost tier without clear disclosure represents a deceptive practice, especially considering stellarfi targets an audience of financially vulnerable individuals.
The effective interest rate on this $30 loan, repaid in full each month, amounts to an APR of approximately 400% - a rate that would be considered predatory by most standards.
I understand that StellarFi is registered as a Public Benefit Corporation (PBC). This makes their practices even more concerning, as PBCs are expected to balance profit with a public benefit. Stellarfi's current practices seem to contradict the spirit and purpose of a PBC, especially one purporting to help financially vulnerable individuals.
I requested a refund of the difference between the $10 monthly fee I've been charged and the $5 fee for the appropriate tier for my usage. This amounts to approximately $25 for the past five months.
The company refused my request with the explanation that the $0.99 introductory fee and subsequent $10 per month fee structure represented user fees and the user agreement posted on their website says that user fees are not refundable.
Response from StellarFiJul 11, 2024
Hi Damien,
Thanks for sharing your feedback with us. We genuinely value the opportunity to understand and address our members' concerns.
First, we apologize for any confusion or inconvenience you have experienced regarding your service plan. During our onboarding process, members have the option to choose between our "Lite Plan" and "Prime Plan." It's important to note that StellarFi is not aware of the total amount of bills a member has when they initially join. We aim to offer flexible plans to accommodate varying needs, and our Prime Plan is designed for those who benefit from managing higher monthly bills. However, we understand that this may not have been the best fit for your usage of approximately $30 in monthly bill payments.
Regarding your account, we have been consistently reporting it as "Current" for the past five months, which positively impacts your credit report. While our user agreement states that user fees are non-refundable, we understand your frustration and are always looking for ways to improve our customer experience.
We would like to offer further assistance to resolve this matter.
Our Member Success Team will reach out directly so we can discuss your situation in more detail and explore possible solutions.
JB
Janice B.
StellarFI - Mixed Results with not real time information
StellarFi is not a scam. When it works, it works. When it doesn't work, it's a collosal frustrating, time sucking failure.
I selected this service as a part of buidling my thin credit profile back up. At first it worked beautifully. In less than 30 days I went from literally a FICO of 4 up to the 600's. However, from time to time, I had issues with what StellarFi sees in in my bank account.
StellarFi's information is not REAL TIME. It uses a system called MX to connect with your bank to see what is in your account. You might notice that your bank is now allowing you to see what is in your other accounts. It does this thorugh the same MX system.
I only use one account for all my reoccurring payments. I transfer that money into this account once a month. Over time I discovered that the information that StellarFi had on my bank account balance was not real time, but delayed time.
Then late last week, the account where my reoccurring payments are being made from does not connect via the MX system to StellarFi. Non of my banks that use this service are able to connect to this bank account using the MX system as well. As a result, I had to move the money for my reoccurring payments to another bank. This bank connected to StellarFi via the MX system but it reported a balance of 36.25 (over a week ago) when there was more than $400 in the account. This afternoon the same $36.25 is still being reported even though there's more than $193 available balance in this account, and the last system sync with the MX system was 2 hours ago.
I have tried to work with StellarFi's chat system for assistance. Not getting much help there, although the individual on the other end did try to assist.
In the meantime I have had to again move my money, or outright move back to the debit card for the account that I'm paying through. This not only defeats the purpose of using StellarFi; it also has become a time sucking, frustrating experiance for which there is no human face or voice to connect to since the issue, I believe, most likely lies not with StellarFi or either of my banks, but the MX system itself.
As far as I can figure this faceless, nameless, phone numberless system that the banks and StellarFi are using have an issue and without a face, name, voice or phone number, I don't know how to get it resolved.
So my vote at this moment in time is that my results are mixed and if you're getting less than satisfactory results, perhaps try a different strategy to build your credit score. Personally, I'm reevaluating my strategy and going back to the drawing board.
Response from StellarFiMay 28, 2024
Hi Janice,
Thank you for taking the time to share your detailed experience with StellarFi. We deeply regret the inconvenience and frustration you've encountered. We strive to provide a reliable and effective service, and it’s clear that in this instance, we fell short of your expectations.
First, we want to extend our sincerest apologies for the issues you experienced with the MX system’s delayed reporting of your bank account balances. We understand how crucial timely and accurate information is for managing your finances and building your credit profile. Your feedback is invaluable, and we will be sharing your concerns directly with the MX team to address these connectivity and reporting issues.
We are committed to resolving this situation for you. Our support team will reach out to you directly to assist with your account and ensure a smoother experience moving forward. Additionally, we will work closely with the MX team to improve the real-time accuracy of account data and connectivity.
We appreciate your patience and understanding as we work to enhance our service. Your feedback helps us improve, and we hope to regain your trust. If you have any further concerns or require immediate assistance, please don't hesitate to reach out to us directly at [email protected].
RB
Ryan B.
Scammers, do not trust them
Scammers, they lie, trying to say i owe them money, in fact i do not, dont use these i d i o t s
Response from StellarFiFeb 15, 2024
Hi Ryan,
We're sorry to hear about your experience, and want to assure you that we take your claims very seriously.
Upon a thorough review of your account and communications with us, it appears that our fraud team has promptly initiated an investigation into your concerns. In order to proceed further with this investigation, we kindly request that you respond to our follow up email or contact our Member Success Team at [email protected] as soon as possible..
We value your feedback and appreciate your cooperation as we work to resolve this matter.
LI
Liz
I applied
I applied, couldn’t be verified and I sent an email to support for help with no response.
Response from StellarFiFeb 8, 2024
Hi Elizabeth,
We appreciate your feedback and we apologize for the inconvenience you have experienced.
After investigating your inquiry, it appears that we did respond to your email.
Please know that StellarFi utilize verification system to ensure security and accuracy of all application.
If you have any further questions or concerns, feel free to reach out to us again at [email protected].
