Self – Credit Builder & Cash

Self Financial, Inc.

About this app

Build credit and grow savings or use the secured Self Visa® credit card to build credit. Or need fast access to cash? You can get it all in one place with Self.
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.

GET A FAST 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 or 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
- 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.

¶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 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 $80, as of Q3 2025.

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

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!

While Self itself is fine the app is horrible. it takes 5 or more tries to login. The app starts to load then goes back to the login screen. I thought maybe the issue was with my tablet so I installed it on my phone. Same problem. I just spent 10 minutes and tried at least 2 dozen times to sign in. Good thing my account is set to auto pay, which I normally don't use.

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! :)

What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes