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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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*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

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 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. 

†Review provided by customer to Self Financial Inc. directly. The comment above is related to individual experiences or results. Your results may vary. 

The built savings figure was informed by 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 was very impressed and how simple everything was. Building back up credit, I thought it was a lost cause and I never wanted a credit card again but Self helped me gain back confidence and showed me how to truly budget myself."

Anela M.

“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 1,000 ratings from actual customers.

Over 3,500,000 people have signed up to build credit with Self.