Unlock a Visa® Credit Card in as little as 3 months.*
 
Open a Credit Builder Account and build positive payment history, then unlock a Visa® Credit Card to continue building credit.


There is no credit check or hard credit pull.

Sign up for Self today.

Start building credit
We're here to help you build credit. A responsible way to help build credit while you save.

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The path to a credit card
Build positive payment history, then gain access to a credit card.*

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*Card eligibility requirements include having an active Credit Builder Account, making your last 3 payments on time, having $100 or more in savings progress, and no outstanding fees. Requirements are subject to change.  All requirements are subject to change.

1 Source: https://www.myfico.com/credit-education/whats-in-your-credit-score

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

The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender, or Atlantic Capital Bank, N.A., Member FDIC, Equal Housing Lender.

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

The credit card without a "Black Box" application.

Learn more about the card:

Start building credit

A straightforward path to a credit card is here. After you open a Credit Builder Account, use the payments you're already making to fund the security deposit for your credit card.

To get access to the card:*

  1. Open a Credit Builder Account and start building credit 
  2. Make your last 3 monthly payments on-time
  3. Have $100 or more in savings progress
  4. Have no outstanding fees
Payment History Graph

Payment history, amounts owed & credit mix make up 75% of your credit score.1

SELF'S PRODUCTS CAN HELP
 
By combining both the Credit Builder Account and secured Visa® credit card, and paying monthly on-time, you can build on all 3 of these credit factors. This can lead to a better credit score. 

Break your security deposit into 3 or more small monthly payments

Pick a plan that fits your budget

Follow these simple steps to unlock your secured card*

  1. Make 3 payments on time
  2. Have $100 or more in savings progress
  3. Have an account in good standing

Use your card to make purchases and continue building your credit!

Manage your payments, view your credit utilization, and increase your credit limit with responsible use.

"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 credit score went up over 100 points since April! I was able to buy a car at a dealership this past weekend when I was not able to in the past!!! No money down! I was skeptical as to this service but feel it really helped me!!"

Melissa E

Read more reviews

Overall satisfaction rating based on 2,246 ratings from actual customers.

Over 1,000,000 people have gotten their credit back on track with Self.

4.7