Self - Credit Builder & Cards

Self Financial, Inc.

About this app

Build credit and grow savings or use the secured Self Visa® Credit Card to build credit. Starting fresh or needing a credit builder? Self can help you create better financial habits and put you in control of your finances. 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
- Get reviewed for unsecured credit after 6 months
- Use everywhere Visa is accepted in the US

BUILD CREDIT & SAVINGS TOGETHER
- Sign up for a Credit Builder Account¶, and 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

GET THE CREDIT YOU DESERVE FOR RENT, CELL PHONE BILLS AND MORE‖
- Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.¹
- On time rent payments reported to Experian, Equifax & TransUnion
- On time utility & cell phone payments reported to TransUnion
- Credit monitoring by TransUnion
- No credit check
- Cancel any time


DISCLOSURES
*Self is not a bank. 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. Intro Offer: $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.

Self Plus Credit Card issued by Lead Bank or Sunrise Banks, N.A. See Self.inc for details. Fees Apply.

¶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 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 loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. Variable admin fee of $1-$5 may apply. See self.inc/pricing.

¹Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.

‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.


Self Financial, Inc. PO Box 11, Southlake, TX 76092-9998

Ratings and reviews

Just joined. promo said no annual fee for the first year, I was immediately charged $25 for the annual fee. if you want to pay with a debit card, its $3.50 fee. ive tried to connect my bank to avoid the fee and the app says there's no internet connection which is not the case. the support chat is worthless. tried for 15 minutes and it just ends chat with no help at all. no better than the other scammy apps.

A great way to start building a good credit score especially if you're just beginning or trying to repair your credit. You have the option to get a secured card where you control your credit limit by the amount of money you add to your secured card or a traditional credit card which doesn't require you to pay a deposit. Either way as long as you're responsible and making your payments on time you'll see your sore increase After a few months.

After a 7 year judgment came off my credit, I was basically starting at ground zero. This was the only company that would approve me for a secured credit card. The thing I absolutely love about this card is that they proactively review your account every few months for a credit line increase. I started with $250 of my own money and now 1.5 years later Im up to $800 (usually goes up about $50-75 each time). With other companies you're usually waiting atleast a year to be reviewed even once.

What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes