Self - Credit Builder

Self is your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.
With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.
BUILD CREDIT BY REPORTING YOUR RENT PAYMENTS AT NO COST
- Increase your credit score at no cost*
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- No credit card required
- Establish positive payment history — credit’s #1 factor‡
- Track credit score with VantageScore 3.0§
GROW YOUR CREDIT & SAVINGS WITH THE CREDIT BUILDER ACCOUNT‖
- Lift your credit score by 47 points, on average¶
- Plans start at $25/mo.¹
- Unlock your savings at the end, minus interest and fees²
- No credit score required
- No hard credit inquiry, no credit check
THE SECURED CARD WITH NO CREDIT CHECK
- Add the secured Self Visa® Credit Card³ to your toolkit‖
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US
REPORT MORE PAYMENTS FOR MORE CREDIT
- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time
ACCESS THE SELF VISA® CREDIT CARD
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
* Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details.
‡ See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
§ Credit scores only available to customers our 3rd party vendor is able to validate.
‖ Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval.
¶ Based on a 2024 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2023 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.
¹ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $520 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing
² Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.
³ The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702