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We're here to help you build credit - Finally, a responsible way to build credit while you build savings.

Payment history makes up 35% of your credit score

Self can help
By opening a Credit Builder Account and paying monthly, on-time, you can build positive payment history. This can lead to a better credit score.2

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Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus in 24 months.*

No credit history?

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Life happens, and sometimes your credit takes a hit. Self is here to help get you back on track. 

Need to rebuild your credit?

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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 Interest still applies. See Credit Builder Account terms for details.

1 Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

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.

No credit score, no 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.

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Pay off the loan in 24 months.*



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.

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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