Self - Credit Builder

4.6
89.4K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Self is your customizable credit toolkit. Build credit, track your credit score, apply for 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.

THE SECURED CARD WITH NO CREDIT CHECK
- Add the secured Self Visa® Credit Card* to your toolkit
- No credit check required
- High approval rates
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

BUILD CREDIT & SAVINGS TOGETHER
- Lift your credit score by 47 points, on average‡
- 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

REPORT YOUR RENT PAYMENTS AT NO EXTRA COST
- Increase your credit score at no cost‖
- 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 3.0¹
- Self’s fastest way to build credit²

GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE
- Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Cancel any time

DISCLOSURES
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC.

Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

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

‡Based on a 2024 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2023 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time.

§Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing.

‖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 learn.self.inc/lpg/mpa/rent-bills-landing for details.

¶See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

¹Credit scores only available to customers our 3rd party vendor is able to validate.

²Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report.

³Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702
Updated on
Jul 11, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 3 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.6
87.7K reviews
T Sineath
October 2, 2024
I have had Swlf for years, I enjoy the simplicity and I enjoy the service they provide. However 2 updates ago the app started bugging out. I now have to log in twice every time I access it. It logs me in kicks me out then I can log in again. I thought the 2nd update would fix it but that appears not to be the case. I will gladly give 5 stars again once this bug is fixed.
109 people found this review helpful
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Kirk
July 13, 2025
Edit: Troubleshooting mobile app didn't work thru customer support but I got it to work via a web browser on PC. Current rating will remain. Edit 2: The balance shown on the app for my two Self card mirror one another. in other words, if one card has a $100 credit available, so will the other card show that as well. Only way to get accurate credit availability is to click on the card and hope the credit refreshes.
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Self Financial, Inc.
October 13, 2023
Hi Kirk! We'd love to troubleshoot this for you. Please reach out to us directly at help@self.inc so we can help!
Facts only Kid
May 20, 2025
It's actually a really good app. my credit score has been increasing and it does give other results. When it comes to credit repair you can not rely on any person to fix it but you, this app, disputing accounts and not getting in more debt. Also remember after 7 years your credit restarts itself so you can either wait or use this app to start seeing improvement...because anytime your in contact with creditors the clocks restarts on those 7 years.
109 people found this review helpful
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What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes