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Self Financial Inc., PO Box 11, Southlake, TX 76092-9998
Customer Service: 1-877-883-0999. 7am-6pm CT, Monday-Friday, or via chat 8am-5pm CT, Saturday
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, see more at FDIC coverage. Credit Builder Accounts & Certificates of Deposit are subject to loan application and approval. See self.inc/credit-builder-loan for plans and pricing.
The Credit Builder Account is not a savings account. $500 million in savings reflects the amount of money 678K 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
Secured Self Visa Credit Card issued/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. See self.inc/visa-secured-credit-card for details including important rate and fee information. Qualification for the secured Self Visa Credit Card is based on meeting eligibility, including income and expense requirements and establishment of minimum $100 security interest. Criteria subject to change.
Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments.
*Based on a 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time.
† According to a 2026 Self study, customers who opened a secured Self Visa® Credit Card in 2025 with a starting VantageScore 3.0 under 600, saw an average VantageScore 3.0 increase of 23 by month 3. Results will vary. Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Self Visa® Credit Card payments are made on time.
‡ Payments may take two weeks or more to appear on your credit report.
§ Self Cash is offered in the Self app only, bank account connection via Plaid and associated debit card required, not offered in all states. Fees apply for expedited disbursement. Cash advance amounts vary based on eligibility and will be displayed in the Self app and may change periodically, no guarantee of offer.
1. Deposits are returned upon account closure after settling outstanding balances.
2. Average calculated by dividing total payments minus returned savings (final cost) by the number of months in the plan term.
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.
Your credit and cash toolkit
Build credit, access cash and stay on track with tools that support your goals
Credit Builder Account
Most people start here
- Strengthen your credit and build savings at the same time
- See approximately 85% of your payments go to savings2
- Use your savings to open a secured Self Visa® Credit Card
+47 average points*
Start building for your future
1 (877) 883-0999
Customer support:
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Self Visa® Credit Card
- Build payment history with on-time payments
- Get payments reported to all credit bureaus
- Start with a low, refundable security deposit1
+23 points on average†
Rent and Bills Reporting
- Get credit for rent and bills you already pay
- Report your rent to all credit bureaus
- Report eligible bills to TransUnion
Report your rent and bills in as fast as 36 hours‡
Self Cash
Get fast access to funds when the unexpected happens.
See offers from $25 to $300§
The secured Self Visa® Credit Card can help you make credit progress over time.
Ready for your first credit card?
Not sure where to start?
Let’s find a starting point that fits you
Use Rent and Bills Reporting to turn your on-time payments into progress.
Want your payments to count toward your credit?
Self has helped improve my credit a lot and has taught me so much about financial literacy. It's a growing and learning experience, I appreciate this app so much!
— Bry
Over 4 million people have started their credit journey with Self.
Overall satisfaction rating based on over 6,200 ratings from actual customers.
Verified reviews from actual Self customers. Results vary. Not paid or sponsored.
Verified review from actual Self customer. Results vary. Not paid or sponsored.
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.
Everything about my Self experience has been great! I've recommended it to a lot of my friends. It's a great way to build your credit.
— David T.
Your toolkit, your way
Get the tools to move forward and stay on track.
Impact up to 65% of your credit score
Source: FICO