Build Credit & Savings - Self 4+

Track & Monitor Your Score

Self Lender, Inc.

Designed for iPhone

    • Free

iPhone Screenshots


Self helps you build credit while you build savings. Manage your Credit Builder Account, check your credit score and get Self updates right from the app.

Want to build credit & savings together? Want credit for paying rent, cell phone, or utilities? Self has the tools for you to build credit.

With the Self credit app, you’ll have everything you might need to build credit. Get started with a low credit score – or even no credit score. At Self, all credit scores are welcome.

Start with the Self Credit Builder Account.
- Build payment history — the #1 factor for building credit6
- Get back your savings¹
- No credit needed
- Reports to 3 credit bureaus
- Plans start at $25/month³
- Pay off over 12 or 24 months
- Includes credit score monitoring (VantageScore 3.0)²
- No hard pull
- 256-bit encryption to protect your data
- Your principal is safe in a bank account⁴

Continue with the secured Self Visa® Credit Card⁵ designed for building credit.
- Reports to 3 credit bureaus
- Your Credit Builder Account savings progress secures your Self credit card & sets your limit
- Includes credit usage monitoring & alerts
- Use everywhere Visa is accepted in the US

Build credit using your rent, cell phone and utility payments
- Choose to add rent, cell phone, water, electric, and/or gas payments to your credit profile
- Securely link your bank account to Self
- Build credit by making on-time monthly payments like you usually do
- Cancel anytime

Self customers who make on-time payments lift their credit scores by 30 points, on average⁷.
Self customers who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.

More than 3 million people have signed up to build credit with Self.

Card eligibility requirements include having an open Credit Builder Account in good standing, making 3 payments on time, having $100 or more in savings progress, and not previously having a Self Visa® Credit Card. Requirements are subject to change.

¹ 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.

² Credit scores will only be available to customers our 3rd party vendor is able to validate.

³ Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% Annual Percentage Rate; Check the pricing page in the Self mobile app or for current pricing.

⁴ All Credit Builder Accounts are issued by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to ID verification and approval.

⁵ The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender.

⁶ See FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

⁷ Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, made on-time payments, based on VantageScore 3.0.

8 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.

What’s New

Version 3.9.1

Thank you for using Self! This app update includes:

- Minor app improvements & bug fixes

Ratings and Reviews

4.9 out of 5
215.6K Ratings

215.6K Ratings

RedPDX3 ,

So far I’m impressed

I’ve been using this app since September of 2020 (now April of ‘21) and even despite being late more than once, a couple times much later than I would’ve liked 😒 still my credit score has legit improved by at least 20 points. Considering my lack of credit, along with the few things on my credit report being pretty much all bad, that’s so much better than I could’ve done on my own. Now the app shows that I’m eligible for a self credit card, which, After doing some research about, I’ll probably be getting pretty soon. A secured credit card that they already determined I’m eligible for since they set the requirements and then monitor my account to know when I meet them. So no hard check into my credit and no deposit to open the account since it’s based on what I’ve already paid into my loan with them. So I get the loan back in about a year and a half, and in the mean time I can have a credit card secured by the money I’m already saving anyway? AND it’s actively reporting all of this so that it builds my credit real time and I get to see the benefit from it all right away? Hopefully I don’t end up feeling the need to come back and edit this review, but so far there’s really not any downsides, just make sure You set a payment amount you can keep up with, obviously the more the better for your credit, but not if you can’t pay it once you get it going, so keep it within reason for your income. I really do love it so far.

MamaaWarrior4 ,

Changed my life

I don’t typically write reviews, but I thought this would help someone on the fence about this app! This has been one of the best decisions I’ve made as a 26yo rebuilding my credit! Not being responsible in my 20s, I looked up my score and had an embarrassing score of 467. I looked up what to do because I felt so discouraged. I decided to give SELF a try not having anything to lose, and I’m so glad I did! I started out with a score of 467 to now my score is 684 after just 8 months!!!! I’m almost to the 700s and I’m so thankful and happy!!!🙏🏼 I’ll be able to get a great car payment, house and self has defiantly helped me on my journey!!! I felt so hopeless 8 months ago. *just a tip on building credit* I also looked at my credit report and handled collections and got them removed! Got stuff settled! I suggest in also building your credit to look at your credit report and sort through all the bad stuff that’s weighing it down! But this app has helped me build a great credit history these past 8 months & I can only imagine a year! I also got approved for the credit card and made small purchases on it and immediately payed it off to just show I’m responsible! Just a tip that helps so much!!! This app makes it so easy to pay off what you’ve spent on your credit card. My score jumps up all the time now! Can’t wait to make it to the 700s!!! Download this app to help you on your credit journey it’s the best app to do so! Hope this helps, and good luck! ❤️

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

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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