Self - Build Credit While You Save

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

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!

ACCESS THE SELF VISA 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 get access to a secured credit card.

BE A BUILDER
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*****.

WHY PEOPLE LOVE SELF
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.

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

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

PRIVACY POLICY
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.