Self - Credit Builder

4.5
87.6K reviews
1M+
Downloads
Content rating
Everyone
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About this app

Self has the tools to impact your credit score. Build credit and savings together, get credit for renting, or apply for a secured credit card.

Self is your customizable credit toolkit. Build credit, track your credit score, apply for 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.

THE SECURED CARD WITH NO CREDIT CHECK
- Add the secured Self Visa® Credit Card* to your toolkit
- No credit check required
- High approval rates
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

BUILD CREDIT & SAVINGS TOGETHER
- Lift your credit score by 47 points, on average‡
- Plans start at $25/mo.§
- Unlock your savings at the end, minus interest and fees
- No credit score required
- No hard credit inquiry, no credit check

REPORT YOUR RENT PAYMENTS AT NO EXTRA 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 3.01
- Self’s fastest way to build credit2

GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE
- Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.3
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Cancel any time

DISCLOSURES
*The secured Self Visa® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC.
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.

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.

§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 $511 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

‖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.

1Credit scores only available to customers our 3rd party vendor is able to validate.

2Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report.

3Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.

Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702
Updated on
Apr 15, 2025

Data safety

Safety starts with understanding how developers collect and share your data. Data privacy and security practices may vary based on your use, region, and age. The developer provided this information and may update it over time.
This app may share these data types with third parties
Location, Personal info and 3 others
This app may collect these data types
Location, Personal info and 4 others
Data is encrypted in transit
You can request that data be deleted

Ratings and reviews

4.5
85.9K reviews
Kayla Tripp
March 24, 2025
The service has proven to be beneficial within just 3 months. The app was useful for maintaining balance info and processing payments, but that is all. It has a chat option to request help but it takes you to page that says "chat is currently unavailable" then directs you to a faq page. Also noting that they charge a $3.50 fee to pay off credit card balance via debit card. If you want to avoid that charge then you have to pay via ACH which delays the payment processing for about a week
184 people found this review helpful
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Self Financial, Inc.
October 7, 2023
We're grateful for your feedback. While there is a small fee for utilizing a debit card, this fee might prove beneficial depending on your individual circumstances or concerns. If you are unable to reach us by chat please feel free ti give us a call during normal business hours and we'll be more than happy to help you!
T Sineath
October 2, 2024
I have had Swlf for years, I enjoy the simplicity and I enjoy the service they provide. However 2 updates ago the app started bugging out. I now have to log in twice every time I access it. It logs me in kicks me out then I can log in again. I thought the 2nd update would fix it but that appears not to be the case. I will gladly give 5 stars again once this bug is fixed.
70 people found this review helpful
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Jesse Pepion
April 24, 2025
this is a scam!! After a year of payment they say they chose to switch banks. They take there interest off every payment and close your account before you can get your interest so I lost like $200. They tell me I can start over and get my expected payout. That payout would be less then I'm losing this time and who is to say they won't rob me again. Do not fall for it!! Use credit carma it actually helps.
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What’s new

Thank you for using Self! This app update includes:

- Minor app improvements updates & bug fixes