Take control of your credit score.
 
Self can help you build credit for any stage in your financial journey.  


No credit score is needed to get started!


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How it works

Build credit while saving money1, starting at $25 a month.*

Your money is secured and protected in a bank account.2

Apply for a loan that is held by our bank partners.

Get Started

1

Pay off the loan in 12-24 months.*

2

3

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 back1 at the end after building credit history.

"Self 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 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 transunion score went up 40 points and my equifax score went up 27 points within 30 days."

Kayla E

Read more reviews

Overall satisfaction rating based on 1,030 ratings from actual customers.

Over 1,000,000 people have signed up to build credit with Self.

Sign up for Self today.

Start Building Credit
We're here to help you build credit - Finally, a responsible way to build credit while you save.1
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1. Minus interest and fees

*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.

2 Credit Builder Account — proceeds are held in a deposit account until maturity 

3 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.

Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus in 12-24 months.*

No credit history?

Start Building 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?

Get Started

What's your goal?

Payment History Graph

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.

Source: FICO