The Self credit app (formerly known as Self Lender) is a way to build credit history while you save*. Build credit with Self, even if you have a low credit score (or no credit score!)
Over 500,000 people have used Self’s Credit Builder Account to build credit and save more than $300 million. With the Self Visa® Secured Credit Card, you have even more opportunities to build credit after you get started.
How does it work? Think of it as a plan that builds credit while you save, starting at $25** per month.
1. Apply for a Credit Builder Account. Your money is safe and secure in a bank account.***
2. Pay off your Credit Builder Account in 12-24 months.** You can choose the payment term and dollar amount that best fits your budget.
3. Each on-time 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 a bank account.***
4. Unlock your savings. Once you’ve paid off your Credit Builder Account, your money unlocks and comes back to you (minus fees and interest).
BUILD CREDIT. SAVE MONEY*
With an active Credit Builder Account, your payments are reported to all three credit bureaus.
CREDIT SCORE MONITORING INCLUDED****
With the Self credit app, you can check your credit score at no cost. The mobile credit tracker!
NO HARD CREDIT PULL
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 use two-factor authentication, 256-bit encryption, and fraud detection to protect your money and private information.
UNLOCK THE SELF VISA® SECURED CREDIT CARD
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 unlock access to a secured credit card – no extra deposit and no hard credit check needed.
WHY PEOPLE LOVE SELF
“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.
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When you download and use Self, you agree to the Terms of Service at: https://www.self.inc/terms-of-service
*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.
**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
****Credit scores will only be available to customers who our third-party vendor is able to validate.
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.
We’ve given our app a fresh new look to help you keep building credit.
Ratings and ReviewsSee All
Let me start off by saying this is a CO oletely unsolicited review, self has not imposed any need to review their app in order to use it.
I downloaded self about a month and a half ago. My credit was thrashed due to a personal issue three years ago and I am now in a position where I am able to start doing something about it. I saw their ad on Facebook and decided to give it a try. Just last week my credit score jumped by 77 points due to my participation in their credit building program and it onky took an on time payment of $25!! I am now able to apply for a credit card in order to further build my credit and this would NOT have been possible had I not taken a chance on Self.
Now this may not be the case for everyone, but the reason my credit score was so low was because I didn't have any accounts that I was paying on that reported to agencies. As soon as Self showed up my credit score soared! If this is the case for you and you need a boost in your score; Self is a simple, low cost way to rebuilding or starting to build your credit.
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 :).
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.
- Self Lender, Inc.
- 31.7 MB
Requires iOS 9.0 or later. Compatible with iPhone, iPad, and iPod touch.
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- Age Rating
- © 2019 Self Financial, Inc.
With Family Sharing set up, up to six family members can use this app.