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Payment history makes up 35% of your credit score
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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. 901 E 6th St. STE 400, Austin, TX 78702.
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. Interest still applies. See Credit Builder Account terms for details.
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. Your USD is FDIC-insured up to $250,000, inclusive of deposits that you hold at Lead Bank, or Sunrise Bank, or First Century Bank, in the same ownership capacity. FDIC Insurance may protect against a bank failure but does not protect against Self’s failure or against theft or fraud. Credit Builder Accounts & Certificates of Deposit are subject to loan application and approval. See self.inc/credit-builder-loan for plans and pricing. Results vary. You may not receive an improved credit score based on your financial behavior, including missed payments with Self credit products and other creditor activity.
2 Results may vary. You may not receive an improved credit score based on your financial behavior. Other factors, including activity with other creditors, may also impact results.
†Review provided by customer to Self Financial Inc. directly. The comment above is related to individual experiences or results. Your results may vary.
The Credit Builder Account is not a savings account. $500 Million reflects the amount of money 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 hard credit check, no setup fee required
Source: FICO
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.
1
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.†
“This is a remarkable tool to help build your credit easy and worry free.”
Juanita F.†
“My score actually went up 33 points using this app. Kudos to Self for helping me achieve my goals.”
Raydell G.†
Overall satisfaction rating based on over 1,500 ratings from actual customers.
Over 3,500,000 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