Your credit-building toolkit.
Using Self can get you an average credit score bump of 47 points.*
* 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.
Two new ways to build credit.
Features
No hard pull
Automate payments
Track your credit score
Reports to all 3 bureaus
Cancel anytime
How it works
Build credit while building savings, starting at $25^ per month.
Apply for a Credit Builder Account.
Your money is safe and secure.
No hard pull on your credit.
Pay off your Credit Builder Account in the specified amount of time.
You can choose the payment term and dollar amount that best fits your budget.
Each on-time monthly payment builds credit history and adds to your savings.
Your monthly payments are reported to all three credit bureaus.
Unlock your savings.
Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).
AS FEATURED IN
Keep building with The Self Visa® Credit Card
What does it cost?
Small Builder
| Total payments | $600 |
| Get back | $511 |
| Final cost | $89 |
| Interest rate | 15.92% |
| Annual Percentage Rate | 15.92% |
Medium Builder
| Total payments | $840 |
| Get back | $717 |
| Final cost | $123 |
| Interest rate | 15.69% |
| Annual Percentage Rate | 15.69% |
Large Builder
| Total payments | $1152 |
| Get back | $985 |
| Final cost | $167 |
| Interest rate | 15.51% |
| Annual Percentage Rate | 15.51% |
X-Large Builder
| Total payments | $3600 |
| Get back | $3069 |
| Final cost | $531 |
| Interest rate | 15.82% |
| Annual Percentage Rate | 15.82% |
Small Builder
| Total payments | $600 |
| Get back | $511 |
| Final cost | $89 |
| Interest rate | 15.92% |
| Annual Percentage Rate | 15.92% |
Medium Builder
| Total payments | $840 |
| Get back | $717 |
| Final cost | $123 |
| Interest rate | 15.69% |
| Annual Percentage Rate | 15.69% |
Large Builder
| Total payments | $1152 |
| Get back | $985 |
| Final cost | $167 |
| Interest rate | 15.51% |
| Annual Percentage Rate | 15.51% |
X-Large Builder
| Total payments | $3600 |
| Get back | $3069 |
| Final cost | $531 |
| Interest rate | 15.82% |
| Annual Percentage Rate | 15.82% |
Pay rent, get credit.
Did you know your payments toward rent, cell phone, and utilities can all grow your credit? With one monthly subscription, you can build credit using the payments you’re already making.
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Payment history makes up 35% of your credit score^^^
Self can help. By opening a Credit Builder Account and making your monthly payments on time, you can build positive payment history.
Get started
Trusted Security
We use 256-bit AES encryption and are a SOC 1 type 2 compliant organization.
Real people, real results
Over 6,200,000 people have signed up to build credit with Self.
Overall satisfaction rating based on 1,031 ratings from actual customers.
"This is a remarkable tool to help build your credit easy and worry free."
Juanita F.†
"I just wanted to thank Self for the opportunity to invest in myself. I was able to increase my credit score by 40 points since opening a Self account. The benefits from my Self credit builder account with making the monthly payment and then being able to establish credit with the Self Visa credit card made me more disciplined with my finances and credit."
Brandy B.†
"My score actually went up 33 points using this app. Kudos to Self for helping me achieve my goals."
Raydell G.†
Benefits of a Credit Builder Account
Convenient and available in all 50 states.
Unlike most credit unions, Self is available online and via our mobile app.
Build Payment History & Credit.
Establish payment history, which is key to building credit.
Path to a secured credit card.
Unlock access to the Self Visa® Credit Card.
Build credit for your future
At Self, we believe everyone deserves a chance to build credit and improve their financial future. Whether you have low credit or no credit, we can help you work toward your goals.