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Payment history makes up 35% of your credit score
"Self Lender has been a fabulous service for me, as I have started building my credit history. I jumped 30 points over the period of my account, and I just got my savings I built deposited into my bank account!"
Evan M†
“When I started Self Lender my credit was terrible and within the first 3 months my score increased 40 points!!!! It did take a few weeks before it reported the first time but it was well worth the wait. ”
Dawn M†
"My transunion score went up 40 points and my equifax score went up 27 points within 30 days."
Kayla E†
Overall satisfaction rating based on 1,030 ratings from actual customers.
Over 1,000,000 people have signed up to build credit with Self.
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Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus in 12-24 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?
How it works
Build credit while saving money3, 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 back3 at the end after building credit history.
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*Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% Annual Percentage Rate; $35 monthly loan payment at a $724 loan amount with a $9 administration fee, 24 month term and 15.97% Annual Percentage Rate; $48 monthly loan payment at a $539 loan amount with a $9 administration fee, 12 month term and 15.65% Annual Percentage Rate; $150 monthly loan payment at a $1663 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. Minus interest and fees
†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
Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender
No credit score is needed to get started!
Source: FICO