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Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus over 24 months.*
No credit history?
Life happens, and sometimes your credit takes a hit. Self is here to help get you back on track.
Need to rebuild your credit?
What's your goal?
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Self Financial Inc., PO Box 11, Southlake, TX 76092-9998
Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday
*Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing.
1 Self is not a bank. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC, see more at FDIC coverage. Credit Builder Accounts & Certificates of Deposit are subject to loan application and approval. See self.inc/credit-builder-loan for plans and pricing.
Secured Self Visa Credit Card issued/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. See self.inc/visa-secured-credit-card for details including important rate and fee information. Qualification for the secured Self Visa Credit Card is based on meeting eligibility, including income and expense requirements and establishment of minimum $100 security interest. Criteria subject to change.
Results may vary. You may not receive an improved credit score based on your financial behavior, including missed payments with Self credit products and activity with other creditors.
The Credit Builder Account is not a savings account. This figure reflects the amount of money 678K Self customers got back (minus interest and fees) after making monthly payments to Credit Builder Accounts that reached full term between 8/6/18 to 7/16/23.
Average outcome after 12 months for customers who opened a 24 month Credit Builder account, starting VantageScore under 600, who made on-time payments. Other factors, including activity with other Self products and other creditors, may impact results. See details.
Other factors, including activity with other creditors, may impact results. Failure to make monthly minimum payments by due date may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. Self is not a Credit Repair Organization. Self does not remove negative credit history from credit reports. Self products are not intended to provide advice or assistance related to a consumer’s credit record or history.
All trademarks and brand names belong to their respective owners and do not represent endorsements of any kind.
No credit score, no credit check, no setup fee required
How it works
Build credit while building savings, 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.
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Pay off the loan in 24 months.*
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3
Each on-time payment builds credit history with all three credit bureaus and adds to your savings.
Your paid off loan unlocks your CD and you get the money back, minus interest and fees.
Get money back at the end after building credit history.
"I wasn't able to build my credit any other way. Self credit allowed me to become responsible with my credit again. It was great growing my credit score through self credit builder!"
Jennifer G.
“Self has helped improve my credit a lot and has taught me so much about financial literacy. It's a growing and learning experience, I appreciate this app so much!”
Bry
“Everything about my Self experience has been great! I've recommended it to a lot of my friends. It's a great way to build your credit.”
David T.
Overall satisfaction rating based on over 6,200 ratings from actual customers.
Over 4,000,000 people have signed up to build credit with Self.
Sample loan: $25/mo, 24 mos, 15.92% APR. See additional plan options at self.inc/pricing. Results may vary. Learn more about Self's Credit Builder Account Score impact.
Customer support:
1 (877) 883-0999
Verified reviews from actual Self customers. Results vary. Not paid or sponsored.
Verified review from actual Self customer. Results vary. Not paid or sponsored.
A better score could save you thousands on future loans
With a Credit Builder Account, your monthly payments are reported to all three credit bureaus — helping you build payment history, one of the biggest factors in your credit score.
Here’s how lifting your score could impact the cost of a $32,460 used car loan (incl. taxes):
Self can help
With tools like a Credit Builder Account, you can build credit and savings at the same time. With on-time monthly payments, you may see your credit score lift over time — helping you qualify for better rates when you need them.
Individual results vary. The ability to obtain a loan/mortgage may be dependent on a number of factors. Credit score is only one of those factors.
Comparison data is based on Self’s Car Loan Interest Rate Calculator. The credit score band interest rates for used cars was taken from Experian Rates, State of the Automotive Finance Market - Q3 2025. Current rates may be higher or lower. The figures entered and the results provided, are for illustrative purposes only.
That could be
$8,423
that stays in your pocket.
Getting started now can help you build the credit you’ll need to qualify for better rates later.
