Self Cash Terms

Self Cash Terms of Service

These Self Cash Terms of Service (“Self Cash Terms of Service”) apply to your use of Self Credit LLC’s non-recourse cash advance product and services (“Self Cash Service”) that you may access through your Self account on the App. Self Financial, Inc., along with any parent, subsidiary, affiliate, or related companies are referred to in these Self Cash Terms of Service as “Self,” “us” or “we.” You, the person using the Self Cash Service, are referred to in these Self Cash Terms of Service as “you” or “your.”

These Self Cash Terms of Service incorporate the Self Financial, Inc. Terms of Service (the “General Terms of Service”). A copy of the current General Terms of Service may be found here. A copy of Self’s privacy policy, which applies to and forms a part of these Self Cash Terms of Service, can be found here.  If there is a conflict between the Self Cash Terms of Service and the General Terms of Service or any other agreement with Self, these Self Cash Terms of Service will control. Capitalized terms used but not defined herein will have the meanings given to them in the General Terms of Service.

Agreement to These Terms

Please read the Self Cash Terms of Service carefully before using the Self Cash Service. By using the Self Cash Service, you acknowledge that you have read, understood, and agree to be bound by the Self Cash Terms of Service. If you do not agree with the Self Cash Terms of Service, you shall not use the Self Cash Service.

You acknowledge that, unless you have opted out, the agreement for resolving disputes (which includes an arbitration provision) under the General Terms of Service extends to these Self Cash Terms of Service, and the definition of “Claim” in the General Terms of Service includes any dispute arising out of or related to these Self Cash Terms of Service or the activities or relationship that involve, lead to, or result from these Self Cash Terms of Service.


1. Overview of the Self Cash Service.

Self Cash allows you to request a non-recourse cash advance from Self based on your anticipated income that has not yet been paid to you from your employer or other person who is obligated to make such payments (each request is referred to as a “Self Cash Advance”). The amount of each Self Cash Advance you may be eligible for is based on the factors described in Section 4 below.

To obtain a Self Cash Advance, you must (1) reside in an Eligible State (as defined in Section 2), (2) have a checking account at a bank located within the United States, and (3) link that bank account (“Self Cash Bank Account”) and associated debit card to your Self account (“Self Cash Bank Card”). Self may refuse to extend a Self Cash Advance to you in its sole discretion. Self will not extend a Self Cash Advance if you have previously received a Self Cash Advance but have not repaid it. The Self Cash Advance may only be used for personal, family and household purposes.


2. Eligibility.

To be eligible for a Self Cash Advance, you must (a) satisfy the eligibility requirements provided in the General Terms of Service, including age of majority requirements, (b) have passed our identity verification checks, and (c) satisfy each of the eligibility criteria listed below:

  • If you are an existing Self Cash user, then any and all of your previous Self Cash Advances have been repaid.

  • You must reside in an Eligible State. “Eligible State” means those states listed on this page where Self offers the Self Cash Service.

  • Self must be able to detect Eligible Deposits into your Self Cash Bank Account. “Eligible Deposits” means a recurring direct deposit of your wages, compensation, or other income, including where you are acting as an independent contractor. It may take multiple consecutive deposits from one employer (or another business or person who is obligated to pay your wages, compensation, or other income) into the Eligible Account for a stream of direct deposits to qualify as Eligible Deposits. Certain deposits do not qualify as Eligible Deposits for Self Cash Advances, including: irregular cash deposits; transfers from other bank accounts; mobile wallet and peer-to-peer transfer applications (e.g., via PayPal, Venmo, Zelle, Square, etc.); mobile deposits; ATM deposits; or other deposits as determined by Self in its sole discretion.

    • Subject to applicable law, Self reserves the right to delay, decline or cancel any Self Cash Advance request for any reason and without notice to you.

    3. Self’s Use of Plaid.

    You acknowledge that Self uses Plaid, Inc. (“Plaid”) to collect your data from financial institutions for the purpose of offering the Self Cash Service. You agree that Self and Plaid shall have the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree that Plaid may transfer, store, and process your personal and financial information in accordance with the Plaid terms and policies, including the Plaid Privacy Policy, a copy of which can be found here.

    4. Available Self Cash Advance Amount; Scheduled Repayment Date.

    Your Self Cash Advance amount and scheduled repayment date will be displayed to you on the App and will be based on factors as determined by Self from time to time. These factors include the amount and timing of your Eligible Deposits, Self’s evaluation of your account transaction history and other Self account history, and other information you provide to us. You will have a set maximum dollar amount that you are allowed to obtain through the Self Cash Service, which shall not exceed $300.00. You will have a scheduled repayment date, which will generally not extend past thirty (30) days after you receive your Self Cash Advance. Your specific repayment date will be provided to you prior to entering into a Self Cash Advance transaction, and can be viewed at any time by logging into your account on the App. You are only permitted to obtain one (1) Self Cash Advance at a given time. Self has the right to adjust your Self Cash Advance limit and our eligibility criteria at any time. Any change in your eligibility or available Self Cash Advance limit will be displayed to you through the App.

    5. Disbursal of Self Cash Advance.

    You may elect to receive your Self Cash Advance in one of the two following manners:

    a. Via ACH.

    If you elect to receive your Self Cash Advance via ACH, the funds will generally be deposited into your Bank Account within one (1) to three (3) business days after you accept the Self Cash Advance. You will not be charged a fee to receive your Self Cash Advance via ACH.

    b. Via Debit Disbursal.

    If you elect to receive your Self Cash Advance via debit disbursal, the funds will generally be disbursed directly to your Self Cash Bank Card within hours after you accept the Self Cash Advance. You will be charged a fee to receive your Self Cash Advance via debit disbursal. The amount of that fee will vary based on the amount of your Self Cash Advance and will be displayed to you prior to accepting your Self Cash Advance.

    6. No Fees.

    Other than the fee for expedited debit disbursal above, you are not required to pay any fees or charges to use the Self Cash Service, including late or pre-payment penalties, interest, or non-sufficient funds fees.

    7. Repayment.

    As stated in Section 1, to obtain a Self Cash Advance and utilize the Self Cash Service, you must have a Self Cash Bank Account and Self Cash Bank Card (each as defined above) and you must link that bank account and debit card to your Self account. Your Self Bank Card is subject to the terms of the applicable agreement(s) you entered into with your bank.

    To repay your Self Cash Advance, including any applicable debit disbursal fees, you must use your Self Bank Card and make payments via preauthorized automatic transfers. If the first attempt at repayment fails, Self will attempt to process the repayment a second time (using the same payment method), no more than 30 days after the first repayment attempt.

    Self will have no legal or contractual claim or remedy against you based on your failure to repay any of your Self Cash Advances. However, if you do not repay your Self Cash Advance(s) or Self is unable to complete a repayment to Self that you authorized, you will be prevented from receiving another Self Cash Advance until you pay any outstanding authorized payment to Self. Self will not (i) engage in any debt collection activities if your Self Cash Advance(s) are not repaid on the scheduled repayment date, (ii) place the amount of the outstanding Self Cash Advance(s) as a debt with, or sell it to, a third party, or (iii) report to a consumer reporting agency concerning the Self Cash Advance(s).

    Termination or Suspension by Self

    Self may terminate this Agreement or suspend the Self Cash Service for any reason at any time in its sole discretion. Self may terminate, suspend, change, or restrict access to all or any part of the Self Cash Service for all users in its sole discretion, without notice or liability to you or any third party. If you have a question related to the suspension, termination, change, or restriction in your ability to use the Self Cash Services, you may contact Self through the Site or the App. You agree that Self will not be liable to you or any third party for any costs, fees, or losses associated with the termination of your access to the Self Cash Service.


    Miscellaneous

    1. Change in Terms.

    We may, from time to time and at any time, amend, modify, add or delete (each, a “change”) these Self Cash Terms of Service or any part thereof with or without notice to you (except to the extent prohibited by applicable law). Any change in these Self Cash Terms of Service will only apply to new Self Cash Advances, and will not affect your rights or obligations for any outstanding Self Cash Advances. If applicable law requires that we provide you with advance notice of a change, we will provide you with no less than the minimum advance notice as is required by applicable law. Without limiting the generality of the foregoing, a change may include a change to existing terms and/or conditions, address new service or features available under the Self Cash Service, or address conditions not otherwise contemplated by you or Self at the time you accepted these Self Cash Terms of Service. If you do not agree with any change, you must discontinue using the Self Cash Service. Your continued use of the Self Cash Service constitutes your acceptance of and agreement to any change.

    2. Contacting Self.

    If you have any questions about these Self Cash Terms of Service, please contact us by regular mail at Self Financial, Inc., 901 E 6th Street, Suite 400, Austin, TX 78702, or log into your Account Portal at https://www.self.inc to chat with customer support. For an online copy of these Self Cash Terms of Service, please go to https://www.self.inc.

    3. Interpretation.

    If any part of these Self Cash Terms of Service is determined to be invalid or unenforceable pursuant to applicable law, then the invalid or unenforceable provision will be deemed superseded by a valid, enforceable provision that most closely matches the intent of the original provision and the remainder of the Self Cash Terms of Service shall continue in effect.

    You may not assign any of your rights or obligations hereunder, whether by operation of law or otherwise. We may assign our rights and privileges under these Self Cash Terms of Service, without your consent to an affiliate or in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of our assets or other change of control.