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Sign up for Self today.
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†
“I just wanted to take time out of my day to give a huge praise to SelfLender. I have been a customer for just one month and my credit score jumped up over 90 points from opening my SelfLender account. THANK YOU.”
Alexandra G†
Overall satisfaction rating based on 1,030 ratings from actual customers.
Over 300,000 people have gotten their credit back on track 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. It's a simple alternative to a credit card.
No credit history?
Sign up today and see your credit score**, plus what you can do to improve it.
Need a credit checkup?
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 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.
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You can choose a repayment plan that fits your budget.
Pay off the loan in 12-24 months*.
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Your payments are reported to all three credit bureaus.
Each payment builds credit history and adds to your savings.1
Your paid off loan unlocks and you get the money back, minus interest.
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Get money back at the end after building credit history.
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†Review provided by customer to Self Financial Inc. directly. The comment above is related to individual experiences or results. Your results may vary.
*Sample products are $25 monthly loan payment at a $525 loan amount with a $15 administration fee, 24 month term and 15.92% Annual Percentage Rate; $48 monthly loan payment at a $545 loan amount with a $15 administration fee, 12 month term and 15.65% Annual Percentage Rate; $89 monthly loan payment at a $1000 loan amount with a $15 administration fee, 12 month term and 15.21% Annual Percentage Rate; $150 monthly loan payment at a $1700 loan amount with a $15 administration fee, 12 month term and 12.37% Annual Percentage Rate.
**Credit scores and credit monitoring will only be available to customers who our third-party vendor is able to validate.
1 Credit Builder Account — proceeds are held in a deposit account until maturity
1. 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. 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. All loans subject to 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