Impact Credit Scores - Self 4+

Track & Build Your Credit

Self Lender, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Self has the tools to impact your credit score. Get credit for your rent payments fast and free, or build credit and savings together.

Self is your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.

With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.

- Increase your credit score for free*
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- No credit card required
- Establish positive payment history — credit’s #1 factor†
- Track credit score with VantageScore 3.0‡

- Plans start at $25/mo.‖
- Unlock your savings at the end, minus interest and fees¶
- No credit score required
- No hard credit inquiry, no credit check

- Work toward a secured Self Visa® Credit Card¹ with a Credit Builder Account§
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time

People with Self Credit Builder Accounts who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.²

Card eligibility requirements include a Credit Builder Account§ in good standing, 3 on-time payments, $100 or more in savings progress, and satisfying income requirements. Requirements are subject to change.

* Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See for details.

† See FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

‡ Credit scores will only be available to customers our 3rd party vendor is able to validate.

§ Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

‖ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or for current pricing.

¶ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

¹ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See for details.

² Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702

What’s New

Version 5.3.0

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes

Ratings and Reviews

4.9 out of 5
259.3K Ratings

259.3K Ratings

Noblecreature ,

Great for building credit

At the time of writing i’m 23 and had gotten a $500 card my sophomore year of college (O was 19). As you’d guess, I, like an idiot, maxed it out and walked away. Fast forward 3 years and I rent a house from my dad with some buddies (so no positive credit built there), my truck is in his name even though I pay for it, and i’ve been graduated out with my degree and working a “big boy job” for 6 months now. In 3 (2 payments so far) months, Self + a $200 secured credit card have boosted my score from a 560 to a 670. Worth it ALL. DANG. DAY. I’m very happy I stumbled upon their app through social media or something kind of random. After my 3rd successful payment ($100 or more total) I can get a regular non-secured $500 card through Self (not to mention wherever else now that my credit’s improved!) and i’m very excited to be moving up. I chose to pay ~$40 /mo to get $500 paid to me in a year. Self’s fees are like $40 or $50 and for the boost i’ve received so far it’s been incredibly worth it. I don’t usually write these kinds of reviews but I hope it’s helpful to anyone out there trying to build their credit. It is worth noting I didn’t have a ton of bad credit marks against me, just that $500 card I walked away from in college. I would also expect some sort of plateau soon, but so far the jump has been huge. I’m 100% planning on buying a new truck in 9 months and i’m betting the only reason i’d have been approved was because of Self 😂 Best of luck, y’all

WildMikeZillaPeaPodMom ,

An amazing opportunity

The Self Credit Builder personal loan(CD) has been an incredible journey to rebuilding my credit score after personal reasons not only took my credit score from a 780 to a 355, but I was unable to even get any type of Fico score to see what and how I could improve and recover from my credit devastation. After I signed up for one of their account options not only did my credit score continue to improve to over 111 points in a very short time(much shorter than “unnamed” companies promising promise’s they did not deliver and/or do nothing but take money with no results. I also was granted a secured Self VISA-an actual Visa card as well as with all on time payments you can be rewarded with additional unsecured amounts added for keeping up the good work! I also started to receive PRE-APPROVED offers from other credit cards ect. That helped build my credit up and am looking to build a home WOW Self also has a plethora of knowledge that u can access. Their customer service is excellent. Truly, they have changed my life and I continue to build up my credit score. I can not thank Self enough! Enroll, make on time payments, and watch opportunities open to you that you thought you might never get to! Thank you Self!!! With Sincerity & Gratitude,
Your Loyal customer for over a year who gave me hope again

ChayChay89 ,

0-100 real quick lol

I started off with nothing no credit never owned a credit card but somehow I guess bc of that I started with a 527. I was just like “dude I’m not doing this it’s gonna take too long” my fiancé who has passed away but he was the one who forced me to download SELF. So he was showing me the ropes and within 3 months of paying ON TIME and I have it set up to automatic payments so I don’t forget but I was so excited I saw 590. But I wanted that 6. Sure enough about 3 months later of continual making my payments without doing it bc I have it set to take $25 out automatically every month and I had a 647!!!! When he passed away in September I wanted to throw it away but why? He helped me build my credit and I am in debt to him forever. After 6 months of not looking I check it today just to see what would happen after getting increases and paying them off. I have a 704!!!!! I wish I could post pictures on here but I wouldn’t recommend anything but SELF if you are a beginner. I have capital ones sending me cards now saying I’m approved for car loans like every other freaking day, mastercards, everything. But I just want to say thank you Matt!!!! 😇 up above and a thank you to SELF for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!

App Privacy

The developer, Self Lender, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy.

Data Used to Track You

The following data may be used to track you across apps and websites owned by other companies:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Other Data

Data Linked to You

The following data may be collected and linked to your identity:

  • Purchases
  • Financial Info
  • Location
  • Contact Info
  • User Content
  • Identifiers
  • Usage Data
  • Other Data

Data Not Linked to You

The following data may be collected but it is not linked to your identity:

  • Diagnostics

Privacy practices may vary, for example, based on the features you use or your age. Learn More

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