Editor’s Note: Overdraft Apps provides detailed product reviews and recommendations based upon extensive research and our own hands-on testing. We may earn a referral fee when you sign up for or purchase products mentioned in this article.
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
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Updated July 2026.
StellarFi is out of business and no longer accepting new customers. This page is a short archive of what the product was, for people who still find our old StellarFi review in search results.
StellarFi was a U.S. credit-building app. Instead of a traditional credit-builder loan that locked money in a savings account, it used a revolving credit line tied to your bills. You paid a monthly subscription, StellarFi reported on-time payments to the credit bureaus, and marketing claimed many members saw score gains within the first month. Plans were relatively low cost compared with multi-year credit-builder loans, which is why we covered it alongside Kikoff, Self, and Credit Strong.
Because StellarFi has shut down, you should not try to download or sign up for it. If you still see StellarFi on your credit report or in old emails, contact the credit bureaus or the company listed on your statements for account-closure questions. We cannot process StellarFi account requests.
Need cash or a larger loan now?
If you landed here looking for money (not only a credit-builder tool), compare living options on PockBox. It can connect you with personal loan offers for larger amounts than most cash advance apps, including when your credit is less than perfect. Some offers cost more than a typical cash advance, so read the APR and terms before you accept anything.
Compare loan offers on PockBox
You can also browse our cash advance apps directory for smaller, short-term advances from active apps we still track.
Related reading
Mitchel holds a Bachelors of Business Administration in Finance from The Goizeta School of Business at Emory University and a Masters of Business Administration from The Haas School of Business at The University of California.
- Uprova Review: Tribal Loan Costs, Real APRs, and When to Avoid It - July 19, 2026
- Tribal Loans for Bad Credit: What They Actually Cost - July 15, 2026
- Upstart Cash Line Review: $200 Minimum Limit Guaranteed - June 25, 2026
