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That’s the bump Self customers who make on-time payments see in their credit score, on average.*
*Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with your other creditors, may impact results.
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How it works
Build credit while building savings1, starting at $25 a month.2
Your money is secured and protected in a bank account.3
Apply for a loan that is held by our bank partners.
1
Pay off the loan in 12-24 months.*
2
3
Each on-time payment builds credit history4 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 back1 at the end after building credit history.
Payment history makes up 35% of your credit score
Source: FICO
Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus in 12-24 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?
"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.†
Overall satisfaction rating based on 1,030 ratings from actual customers.
Over 1 million people have signed up to build credit with Self.
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2 Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% Annual Percentage Rate; $35 monthly loan payment at a $724 loan amount with a $9 administration fee, 24 month term and 15.97% Annual Percentage Rate; $48 monthly loan payment at a $539 loan amount with a $9 administration fee, 12 month term and 15.65% Annual Percentage Rate; $150 monthly loan payment at a $1663 loan amount with a $9 administration fee, 12 month term and 15.91% Annual Percentage Rate. Please refer to www.self.inc/pricing for the most recent pricing options.
3 Credit Builder Account — proceeds are held in a deposit account until maturity
4 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.
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.
*49 Point Increase: Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with your other creditors, may impact results. On-time payments does not mean full program completion and past performance based on this study does not guarantee future results. A credit score increase is not guaranteed.
Lead Bank. Member FDIC, Equal Housing Lender
Sunrise Banks, N.A. Member FDIC, Equal Housing Lender
SouthState Bank, N.A. Member FDIC, Equal Housing Lender