Self – Credit Builder & Cash

Self Financial, Inc.

About this app

Self helps you create healthy financial habits with tools to build credit and grow your savings. Or need funds fast? Self Cash gives you quick access to money for unexpected expenses.
Whether you’re starting fresh or rebuilding, Self empowers your financial wellness and puts you in control. All credit scores are welcome.

GET A CASH ADVANCE
- Qualify for up to $100†
- See offers in less than 5 minutes
- No credit check, no impact to your score
- No hidden fees, no monthly charges

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 req.
- 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 score’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. $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.

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 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 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.

†Self Cash is offered in the Self app only, bank account connection via Plaid and associated debit card required, not offered in all states. Fees apply for expedited disbursement. Cash advance amounts vary based on eligibility and may change periodically; no guarantee of offer. Average offer $60, as of Q2 2025.

‖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

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. PO Box 11, Southlake, TX 76092-9998

Ratings and reviews

My credit building journey went flawlessly. I was able to take a $300 account all the way up to $950.00 line of credit. My credit score shot up by 160 points by the time I was done. Now i'm comfortably cruising with a somewhat useful credit line. The app;...well, that's another story. It worked great for 7 years. Now i can't log in for the life of me. I've tried everything, Uninstall/reinstall to no avail. If they get the desktop app to work properly, you will have an improved score, for sure!

The app doesn't work that great, I would sign in and it would go back to the sign in prompt three different times. They will bombard you with useless messages and advertisements when the app itself doesn't work properly. Also, they will reformat the layout and you won't know how to navigate through it, not to mention they will email you with incorrect amounts saying you're past due when you paid ahead. Self app is okay, not great.

they disconnect your accounts regularly and didn't even report most of my bill payments. they said they can not find it each month. adventually they unlinked my account i was paying for a credit builder account with. then would not let me reconnect it... I should not have to go through the process of making new accounts and transferring money to be able to access my money. this also probably will show as a missed payment on my credit report.

What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes