Sign up for Self today.

Payment history makes up 35% of your credit score

Overall satisfaction rating based on 1,250+ ratings from actual customers.

Over 1,000,000 people have signed up to build credit with Self.

How it works

^{Build credit while saving money, starting at $25 a month.*} 

Your money is secured and protected in a bank account.¹

Apply for a loan that is held by our bank partners.

1

You can choose a repayment plan that fits your budget.

Pay off the loan in 12-24 months.*

2

3

Your payments are reported to all three credit bureaus.

Each payment builds credit history and adds to your savings.²

Your paid off loan unlocks and you get the money back, minus interest and fees.

4

Get money back at the end after building credit history.


© Self Financial Inc.

Privacy  | Terms  | Compliance | Card Agreement

* Sample products are $25 monthly loan payment at a $520 loan amount with waived $9 administration fee,  24 month term and 14.14% Annual Percentage Rate; $35 monthly loan payment at a $724 loan amount with waived $9 administration fee, 24 month term and 14.70% Annual Percentage Rate; $48 monthly loan payment at a $539 loan amount with waived $9 administration fee, 12 month term and 12.44% Annual Percentage Rate.

1 Credit Builder Account — proceeds are held in a deposit account until maturity 

2 Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. 

† Review provided by customer to Self Financial Inc. directly. The comment above is related to individual experiences or results. Your results may vary. 

All Credit Builder Accounts made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification.   Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to consumer report review and approval. All Certificates of Deposit (CD) are deposited in Lead Bank, Member FDIC, Sunrise Banks, N.A., Member FDIC or Atlantic Capital Bank, N.A., Member FDIC.

Lead Bank. Member FDIC, Equal Housing Lender

Sunrise Banks, N.A. Member FDIC, Equal Housing Lender

SouthState Bank, N.A. Member FDIC, Equal Housing Lender

No credit score is needed to get started!

Source: FICO

In partnership with

Credit Builder Account Plans

^{We offer different plans to fit your individual goals and budget.}

^{Enjoy a waived $9 administrative fee as part of our partnership with Boston Builds Credit.}