Self - Build Credit & Savings

Self Financial, Inc.

About this 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 savings¹. Build credit with Self even with a low credit score (or none)!

Start with the Self Credit Builder Account.
- No credit history needed
- Includes credit score monitoring (VantageScore 3.0)²
- Reports to 3 credit bureaus
- Plans start at $25/month³
- Pay off over 12 or 24 months
- No hard pull
- 256-bit encryption to protect your data
- Your principal is safe in a bank account⁴
- On-time payments are good for your credit report
- Get back the savings¹

Continue with the secured Self Visa® Credit Card⁵ designed for building credit.
- Reports to 3 credit bureaus
- Your Credit Builder Account savings progress secures your Self credit card & sets your limit
- Adds 2nd type of credit to your credit report
- Includes credit usage monitoring & alerts
- Use everywhere Visa is accepted in the US

ACCESS THE SELF VISA CREDIT CARD
Card eligibility requirements include having an open Credit Builder Account in good standing, making 3 payments on time, having $100 or more in savings progress, and not previously having a Self Visa® Credit Card. Requirements are subject to change.

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 score⁶.

TAKE YOUR CREDIT SCORE TO A NEW LEVEL
Self customers who make on-time payments lift their credit scores by 30 points, on average⁷.
Self customers who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average⁸.

WHY PEOPLE LOVE SELF
Over 3 million Credit Builder Accounts originated!

¹ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

² Credit scores will only be available to customers our 3rd party vendor is able to validate.

³ 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; Check the pricing page in the Self mobile app or www.self.inc for current pricing.

⁴ All Credit Builder Accounts are issued by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or SouthState 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 and approval.

⁵ The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender.

⁶ See https://www.myfico.com/credit-education/whats-in-your-credit-score. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

⁷ Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, made on-time payments, based on VantageScore 3.0. 8 Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.

Ratings and reviews

Self is an amazing app and has made credit building easy. I've had times where it's been hard to make the $25 payment but self has always been there for me and they always listen. They are what they say and they and they do what they do. It was easy to close out my credit builder account after I paid it off as well as closing out my credit card even though I didn't have the money to pay off the balance due but like self says it is your money. So if you owe your deposit pays it off. Thanks self!

It's been a pretty good experience. The app works as advertised and has helped to build my credit score. It provides some pretty solid advice via It's articles and other credit building activities. My only issue with the program is that it only provides the vantage score and I wish it included fico 8 scores. Otherwise, this is a solid part of any credit improvement strategy. While I still have work to do with regard to my scores, as of this review I'm satisfied and would recommend it.

This app is very helpful tool to increase your credit. I had a very hard time last year in 2021 and now rebuilding my credit they have been helping me restore that by getting me back on track and keeping me updated on my credit score. I highly recommend this app for people who don't have credit. Please do your research as well for your own personal experience.

What's new

Thank you for using Self! This app update includes:

- Minor app improvements & bug fixes