Editor Reviews

Self is a super cool app that totally helps you boost your credit and stash away some savings. So, even if your credit score is kinda low or non-existent, you can start building up your credit history with their Credit Builder Account. The best part? They report to not one, not two, but three credit bureaus! Plus, they'll keep an eye on your credit score for ya. Oh, and guess what? You can even get yourself a fancy Self Visa Credit Card that's hella secure. It reports to the same three credit bureaus and is specifically designed to help you build up that sweet credit of yours. The best part? Your card's limit is based on how much moolah you save in your Credit Builder Account. Talk about a win-win situation!

Self also lets you boost your credit by including rent, cell phone, and utility payments. You can easily add these payments to your credit profile and pay them on time like you usually do. It's a super secure feature that connects your bank account to Self, and you can cancel it whenever you want. If you're a Self customer who pays on time, you can improve your credit score by around 30 points on average. And if your credit score is below 600 when you start, making on-time payments can give it a boost of about 49 points on average.

The Self Credit Builder Account has a repayment period of at least 2 years, and the highest interest rate for all loans is 15.97%. The Self Visa Credit Card is issued by either Lead Bank or SouthState Bank, N.A., both of which are members of FDIC. All Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., or SouthState Bank, N.A., all of which are members of FDIC. To use the service, you need to be at least 18 years old, a U.S. citizen or resident (permanent or non-resident), and have a bank account. Credit scores are only available to customers whose information can be verified by Self's third-party vendor.

So basically, Self is this cool app that helps you build up your credit and savings at the same time. It's got all these awesome features like the Self Credit Builder Account, the secured Self Visa Credit Card, and the ability to boost your credit by paying rent, cell phone bills, and utilities. If you're a responsible customer who pays on time, you can increase your credit score by an average of 30 points. And if you start with a low credit score under 600 but still make those on-time payments, you can boost your score by an average of 49 points! Oh, and just so you know, all Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., or SouthState Bank, N.A. They've got your back! FDIC members and all that jazz.

Features

Build up your credit history with Self's loan and credit card. No need to worry about a credit check!