Build credit. Save money.
No credit? Need to build credit? No problem.
How it works
Build credit while saving money, 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).
Features
No hard pull
Automate payments
Track your credit score
Reports to all 3 bureaus
Cancel anytime
AS FEATURED IN
Keep building with The Self Visa® Credit Card
What does it cost?
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
Learn how Self works in one minute
Trusted Security
We use 256-bit AES encryption and are a SOC 1 type 2 compliant organization.
Real people, real results
Over 600,000 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 was very impressed and how simple everything was. Building back up credit, I thought it was a lost cause and I never wanted a credit card again but Self helped me gain back confidence and showed me how to truly budget myself."
Anela M.†
"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.
Self helps you establish payment history, which is key to building credit.
Path to a secured credit card.
Unlock access to the Self Visa® Credit Card.