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Payment history makes up 35% of your credit score
"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 transunion score went up 40 points and my equifax score went up 27 points within 30 days."
Kayla E†
Overall satisfaction rating based on 1,030 ratings from actual customers.
Over 3,500,000 people have signed up to build credit with Self.
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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?
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?
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*$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 self.inc/pricing
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.
1Credit 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.
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30 Point Increase: Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, who made on-time payments, based on Vantage Score 3.0. 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.
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.
No credit score is needed to get started!
Source: FICO
How it works
Build credit while building savings, starting at $25 a month.*
Your money is secured and protected in a certificate of deposit.
Apply for a loan that is held by our bank partners.
1
Pay off the loan in 24 months.*
2
3
Each on-time payment builds credit history3 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.
