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

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Use Self to get a credit card.

How a Credit Builder Account 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 Credit Builder Account.

1

You can choose a repayment plan that fits your budget.

Pay off your Credit Builder Account in 12-24 months.*

2

3

Your payments are reported to all three credit bureaus.

Each on-time 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.


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*Sample products are $25 monthly loan payment at a $525 loan amount with a $9 administration fee, 24 month term and 15.92% Annual Percentage Rate; $48 monthly loan payment at a $545 loan amount with a $9 administration fee, 12 month term and 15.65% Annual Percentage Rate; $89 monthly loan payment at a $1000 loan amount with a $9 administration fee, 12 month term and 15.79% Annual Percentage Rate; $150 monthly loan payment at a $1700 loan amount with a $9 administration fee, 12 month term and 15.91% Annual Percentage Rate. Please refer to www.self.inc/pricing for the most recent pricing options.

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. 

3 Credit card eligibility requirements are subject to change.

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

The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender.

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

Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender

Learn more about the card:

Once you've opened a Credit Builder Account, you can use the payments you're already making to fund the security deposit for a credit card. When paired together, both can be a powerful tool to build your credit.

To gain access to the card:³

1. Open and start building credit with a Credit Builder Account
2. Make your last 3 monthly payments on-time
3. Have $100 or more in savings progress
4. Have no outstanding fees

Payment history, amounts owed & credit mix make up 75% of your credit score.³