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The Self credit app (formerly known as Self Lender) is a way to build your credit history while you save. Self is great for helping people interested in personal finance and their financial health, even people with a low credit score or no credit history!

Over 400,000 people have built their credit and saved more than $300 million using Self’s Credit Builder Account.

So, how does it work? Think of it as a savings plan that builds credit, starting at $25* per month.

1. Apply for a Credit Builder Account. Your money is safe and secure.
2. Pay off your Credit Builder Account in the specified amount of time. You can choose the payment term and dollar amount that best fits your budget.
3. Each monthly payment builds credit history and adds to your savings. Your monthly payments are reported to all three credit bureaus while the principal gets saved in your CD.
4. Unlock your savings. Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours.

With an active Credit Builder Account, your payments are reported to all three credit bureaus.
Love credit monitoring? With the Self credit app, you can check your credit score at no cost. The mobile credit tracker! *
Unlike an inquiry when you apply for a credit card, Self does not do a “hard pull” credit check when you create an account. In fact, no credit score is required at all!
All accounts are held with one of our bank partners and the CD is in your name. Our systems use measures like two-factor authentication, 256-bit encryption, and fraud detection to protect your money and private information.
- Used by hundreds of thousands of people to build credit history
- Featured on ABC News
- Featured in USA Today
- Featured in Bloomberg News
- Featured in Newsweek
- Featured in TechCrunch- Featured in NerdWallet, CreditCards.com and Credit Karma

“Love love love this program and this app! In eight months my credit went up a hundred and nine points. Super happy and can't wait to renew once the first year is up” - customer Debbie G. Individual results may vary.

“I recently moved to the states and had no established credit. Using this service along with two prepaid credit cards, my score went from 4 - 710 in 9 months. I took a 12 month term with only $50 payment per month but I'm already thinking about applying for a larger Self Lender loan as soon as this completes to further build my score and save at the same time” - customer Neil M. Individual results may vary.

“Easy way to take control of your credit” - customer Rafael M. Individual results may vary.

Contact us at help@self.inc, via chat on the website at https://www.self.inc/contact or via your favorite social channel: Instagram, Twitter, Facebook.

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

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

*Sample products are $25 monthly loan payment at a $526 loan amount with a $12 administration fee, 24 month term and 15.32% Annual Percentage Rate; $150 monthly loan payment at a $1700 loan amount with a $9 administration fee, 12 month term and 12.03% Annual Percentage Rate. Please check the pricing page in the Self mobile app or www.self.inc for current pricing.
**Credit scores will only be available to customers who our third-party vendor is able to validate.

What’s New

Version 1.8.0

Self Lender has now become Self, so we've updated our app with some Self improvement. Keep building credit and saving!

Ratings and Reviews

4.9 out of 5
8.9K Ratings

8.9K Ratings

Nightownaide ,

Helped me twice

Self lender is an innovative way to help one save money, invest money, and build credit. The first time I had an account it help my credit score a lot after taking a hit from medical bills and buying a car lowered my score for a while. I also was able to get the money I invested easily due to an emergency and close the account. I’m now on a second account and will follow through as I am better financially and not in debt as much anymore. Self Lender has revived my credit score once again from the dead and now my credit score is higher than it EVER was!!! I love Self Lender not only because of my credit score raising but also it forces me to save money because you can’t just withdrawn from it like a bank card can. It’s an investment in you, your credit and a forced savings. I recommend it all the time to people but they don’t believe me that this exist! Oh well their loss! Paired this with acorns to force myself to save money and invest as I am 30 now. Will always continue using self lender!!

Developer Response ,

Wonderful to hear! Congrats on taking charge of your finances and thanks for letting us be part of your journey :).

BryGuy80 ,

Friendly Service and Easy to Use

This app does what it says. I was on the road to credit repair following a major car accident, which left me in a world of hurt financially. Needless to say I was on the road to making progress increasing my score about 6 points a month when I came across this app. I decided to give it a shot. By my second or third payment I started to see my score increase 9-10 points every month. So I can safely say this program helped me add an extra 3-4 points every month. When the opportunity to purchase another car presented itself 8 months into my term I called Customer Service and they were very friendly and happy to help me close my account and deposit my funds. The process was quick and easy and two days later I had my money in my account. Looking to start up a new account now that I’m a few months into my car payment and know I’m ok again. The car loan gave me a slight hit so this will help offset that.

MLT Jr ,


Those that are seriously in need of rebuilding their credit to obtain a higher score for future financial security need to take advantage of this awesome opportunity. I say opportunity because you pay yourself each month and at the end get all your money back all while building credit in your favor! It’s a “No Brainer” so to speak! I wish I had only found this opportunity sooner. It helped improve my score once already and I’m using it to my favor again. Time flies, we all know that, so before you know it you’ll have your “reward” back when the timeframe you choose is over and the fee is well worth it. If someone told me I could pay $79 and increase my score over 100 points I’d be stupid to say no! So, just pay on-time each month and let Credit Builder do the rest! Thanks Credit Builder!
M. Tompkins Jr.
USMC Veteran
Thomaston, Ct.

Developer Response ,

Thanks for sharing your credit-building journey with us! We love hearing your success stories :)


Self Lender, Inc.
24.4 MB

Requires iOS 10 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating


  • Family Sharing

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

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