Self Is For Building Credit

82.9K reviews
Content rating
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About this app

Self is your credit building toolbox. Build credit, track your credit score, unlock 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.

- 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 3.0§

- Lift your credit score by 49 points, on average¶
- Plans start at $25/mo.¹
- Unlock your savings at the end, minus interest and fees²
- No credit score required
- No hard credit inquiry, no credit check

- Work toward a secured Self Visa® Credit Card³ with a Credit Builder Account‖
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time

The secured Self Visa® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.

* 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 for details.

‡ See FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

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

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

¶ 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.

¹ 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 $520 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or for current pricing.

² 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.

³ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See for details.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702
Updated on
Jun 14, 2024

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

81.2K reviews
Ingrid Fortmeyer
April 19, 2024
This is one of the best ideas out there for taking personal responsibility for your finances coupled with the worst interface technology and access to actual follow through. I find being able to USE the website and app to check, update, make payments, etc frustrating at best and impossible at worst. 20 minutes reentering the same information, continuing, and looping back to the original entry page. Help features are AI bots, an when you want live support it always says none available.
60 people found this review helpful
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Tim Mitchell (Syndratic01)
May 5, 2024
I like the app, it's helped me build my credit in a easy way, I just think that it shouldn't be so hard to cancel a credit card. It would be nice to have an option to replace it or deactivate the card without going through customer service people who aren't very courteous or helpful. what about those times where it's too late to do anything about a stolen card and you could've stopped a credit theft with a swipe but instead you have to deal with automated bots and unhappy customer service people
30 people found this review helpful
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Self Financial, Inc.
May 17, 2024
Hi Tim, it’s our goal to provide our customers with the highest quality service, but it looks like we missed the mark. We are continuously looking for ways to improve and will take this feedback for betterment in the future. We'd like the chance to rectify this situation. Please contact us at your earliest convenience.
wyatt vliek
May 6, 2024
A massive boost by itself, and then went on to become the literal foundational building block, of my steadily growing credit health!! I couldn't possibly say enough great things about it. Get it. Follow the directions. Make minute financial contributions, (ie, interest, past due accounts, etc)... Reap the benefits, with a large initial boost in your credit score, and then pick up the reins yourself.. You won't regret it!
122 people found this review helpful
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What's new

Thank you for using Self! This app update includes:

- Minor app improvements & bug fixes