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 required
- 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 27.74%. 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

It's so easy to set up, I bet a child could set it up if they had the means. It bumped up my score 27 points right off the bat for opening an account and making my first payment, I'm already back in the average range! This is extremely useful if you're like me and already went through your credit starter program at your bank but never got a credit card after. Edit: 3 to 5 stars for improving the withdrawal time, and also I love the new UI. So so SO much nicer than before! :)

Self needs to explain the real way the credit builder account works...I paid my credit builder account for two years, which came out to be $850. Now that I've paid the account in full, they gave me $174 and some change back, which says that I would receive $774 back at the end of it all... so pretty much they are keeping $550, and I'm still having to pay them $550 back on the credit they gave me which they are ripping people off, so if this is something your thinking about doing.... don't do it.

for those of you who wish to build credit, this app will help, what it WILL NOT DO, is keep your credit score in a higher range if you decide to close an account, and open another one to see a better increase. extremely disappointed with the system. it took away a total of 30 points from the 50 I've gained. its extremely irritating

What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes