No. However, while you do not need to have a Credit Builder Account to refer friends, you do need to be a Self member. There is no cost to joining Self, and you’ll receive access to your credit score at no cost. Get started today.

All Self members are eligible to refer someone with their unique referral link.

Yes. While we welcome all new Self members, your referral must sign up for a Credit Builder Account and make at least one successful payment before you can receive the reward.

You can refer any individual who meets the minimum requirements: 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. Subject to ID Verification. You may refer friends, family members, coworkers, or acquaintances. However, you will only earn a reward for every referral who is approved for a Credit Builder Account and makes at least one successful payment.

Share your unique invite link and make sure your referral signs up directly from that URL. Please note that if your referral does not sign up using your referral link, you will not be credited and therefore ineligible for the reward.

Your referral reward will be distributed from Self by ACH, debit, or check, depending on the payout method selected in your Self dashboard. If no payout method has been selected, your reward will be distributed by check.

Self will notify you when your friend’s first payment has been completed and send the amount of the reward via your selected payout method. Please allow 7-10 business days for your payment to arrive.

Please note, if your payout method is a check you have 180 days from the check date to cash. After 180 days your check will expire, and your payout will no longer be valid.

Your referral will be distributed from Self based on your selected payout method (ACH, debit, or check). If no payout method has been selected, your reward will be distributed by check. If you’d like to change your selected payout method you may do so from the Refer a friend section of your Self dashboard.

Payments may take up to 30 days to process. Once the payment has been completed, you will receive notification. Please allow 7-10 business days for your payment to arrive.

Payments made to you for Self's Refer a Friend Program are considered non-employee compensation. If you receive more than $600 in Refer a Friend payments during a calendar year, Self will request a W-9 form from you to verify your taxpayer ID and legal status, and will issue you a 1099-NEC form shortly after year end. No tax form will be issued if payments are less than $600 during the calendar year. You are responsible for all taxes related to Self Refer a Friend Program payments.

• Use only the language and links provided in your Self dashboard.
• Make sure any statements about Self are accurate, truthful, and not misleading.
• Ensure no ads are taken out on behalf of Self, or use the Self logo or likeness without written approval from Self.

Any violation or abuse of this program may result in the forfeiture or reversal of a referral bonus. You may also be deemed to be ineligible for future referral bonuses.Self reserves the right to limit, cancel, or revoke referral bonuses at its sole discretion.