The Self credit app (formerly known as Self Lender) is a way to build credit history while you save*. Build credit with Self, even if you have a low credit score (or no credit score!)
Over 500,000 people have used Self’s Credit Builder Account to build credit and save more than $300 million. With the Self Visa® Secured Credit Card, you have even more opportunities to build credit after you get started.
How does it work? Think of it as a plan that builds credit while you save, starting at $25** per month.
1. Apply for a Credit Builder Account. Your money is safe and secure in a bank account.*** 2. Pay off your Credit Builder Account in 12-24 months.** You can choose the payment term and dollar amount that best fits your budget. 3. Each on-time monthly payment builds credit history and adds to your savings*. Your monthly payments are reported to all three credit bureaus while the principal gets saved in a bank account.*** 4. Unlock your savings. Once you’ve paid off your Credit Builder Account, your money unlocks and comes back to you (minus fees and interest).
BUILD CREDIT. SAVE MONEY* With an active Credit Builder Account, your payments are reported to all three credit bureaus.
CREDIT SCORE MONITORING INCLUDED**** With the Self credit app, you can check your credit score at no cost. The mobile credit tracker!
NO HARD CREDIT PULL Self does not do a “hard pull” credit check when you create an account. In fact, no credit score is required at all!
SECURE ACCOUNTS All accounts use two-factor authentication, 256-bit encryption, and fraud detection to protect your money and private information.
UNLOCK THE SELF VISA® SECURED CREDIT CARD Have an active Credit Builder Account in good standing, make at least 3 credit builder account monthly payments in full and have $100 or more in savings progress and you could unlock access to a secured credit card – no extra deposit and no hard credit check needed.
WHY PEOPLE LOVE SELF “Love love love this program and this app! In eight months my credit went up a hundred and nine points Super happy and can't wait to renew once the first year is up” - customer Debbie G. Individual results may vary.
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TERMS When you download and use Self, you agree to the Terms of Service at: https://www.self.inc/terms-of-service
*Savings are minus fees and interest. 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.
**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; $150 monthly loan payment at a $1663 loan amount with a $9 administration fee, 12 month term and 15.91% Annual Percentage Rate. Please check the pricing page in the Self mobile app or www.self.inc for current pricing.
***Credit Builder Account — proceeds are held in a deposit account until maturity
****Credit scores will only be available to customers who our third-party vendor is able to validate.
All Credit Builder Accounts are issued by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to ID verification. All loans subject to approval.
The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender.