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

You checked your credit report, but feel like your credit score is stuck in a rut. Good news! Your credit score isn’t set in stone.

The Self credit app is a way to build credit history while building savings*. Build credit with Self, even with a low credit score (or no credit score)!

Start with the Self Credit Builder Account.

- No hard credit check
- No credit history needed
- Includes credit score monitoring (VantageScore 3.0)**
- Reports to all 3 credit bureaus (Experian, Equifax, Transunion)
- Plans start at $25/month***
- Pay off over 12 or 24 months
- Your principal is safe in a bank account****
- On-time payments are good for your credit report
- At the end, get back the savings (minus interest and fees)*

Continue with the Self Visa® Credit Card, a secured credit card designed for building credit.

- No hard credit check
- Reports to all 3 credit bureaus
- Build the deposit over time from your Credit Builder Account
- Adds a second type of credit to your credit report
- Includes credit usage monitoring and alerts
- Use it everywhere Visa is accepted in the US

Self does not do a “hard pull” credit check when you create an account. In fact, no credit score is required!

Have an active Credit Builder Account in good standing, make at least 3 Credit Builder Account monthly payments in full and have $100 or more in savings progress and you could get access to a secured credit card.

Whether your goal is to get a credit card, a loan to buy a car or house, a good FICO® score can help. According to FICO, building payment history has the biggest impact on your credit score*****.

Over 1 million people have used Self’s Credit Builder Account to build credit and save more than $500 million.

“Because of Self I’ve been able to buy a house, refinance my car, and my credit went from a 492 when I started to a 735 in less than 18 months.” - customer Christian O.

Individual results may vary.

All accounts use two-factor authentication, 256-bit encryption, and fraud detection to protect your money and private information.

When you download and use Self, you agree to the Terms of Service at: https://www.self.inc/terms-of-service

You may review Self’s privacy policy at: https://www.self.inc/privacy-policy

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

**Credit scores will only be available to customers who our third-party vendor is able to validate.

***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; $150 monthly loan payment at a $1663 loan amount with a $9 administration fee, 12 month term and 15.91% Annual Percentage Rate. Please check the pricing page in the Self mobile app or www.self.inc for current pricing.

****Credit Builder Account — proceeds are held in a deposit account until maturity

***** See FICO score factors: https://www.myfico.com/credit-education/whats-in-your-credit-score

All Credit Builder Accounts are issued by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital 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. All loans subject to approval.

The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender.

What’s New

Version 2.13.0

Thank you for using Self! This app update includes:
- Minor app improvements & bug fixes

Ratings and Reviews

4.9 out of 5
143.1K Ratings

143.1K Ratings

def gets challenging ,

I’m still in disbelief

I didn’t grow up in the best of circumstances and had a very toxic family, was in foster care so when it came time for me to try to be responsible with myself and start building a future I found out my father had been using my social security number and even sold it, so by the time I tried to take control my credit score was at 413. I was very discouraged especially because I wasn’t able to get approved for much, and was too scared to try to get a credit card, and was having to pay for everything up front since I was seen as unreliable.
Was told about this app from a coworker, and I told myself even if this didn’t help me much that I didn’t have anything else to lose so I opened up an account and started making payments November 2020, 9 months later and my score was sitting at 601! I was over the moon and talking about it with my other coworkers and was also recommended Experian boost, and my score went up another 20 points! I’m sitting at 621 right which is so crazy to me!! I was late twice with my credit builder payment, but I also did open the self credit card with my cap being $125 and using that but paying it down as soon I could, so a few factors have helped my credit get this high. Also with the Experian boost if you’re paying any payments on time like your rent or light or even wifi, it factors into your Experian score! So I could not recommend this more! Go for it! There’s nothing to lose && everything to gain!

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! ❤️

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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