Build credit. Save money.

No credit? Need to build credit? No problem.

Please enter a valid email.
144k reviews
47k reviews

How it works

Build credit while saving money, starting at $25^ per month.

how it works step 1
Apply for a Credit Builder Account.

Your money is safe and secure.

No hard pull on your credit.

how it works step 2
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.

how it works step 3
Each on-time monthly payment builds credit history and adds to your savings.

Your monthly payments are reported to all three credit bureaus.

how it works step 4
Unlock your savings.

Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours (minus fees and interest).

msn logoForbes logoTravel Leisure logoYahoo News logoCredit Dot Com logoNerdwallet logo

Keep building with The Self Visa® Credit Card

A Self Credit Builder Account can get you access to the Self Visa Credit card in as little as 3 months* with no hard pull on your credit.
*Terms subject to change
woman with self credit card

What does it cost?

We offer 4 credit builder plans plans to fit your goals and your budget.
phone displaying Self dashboard

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.

Learn more learn more about Self
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 1031 ratings from actual customers.

"This really works...and pretty quick, too!! Score jumped 118 points in 4 months."

Cynthia C

"Love love love this program and this app! In eight months my credit went up a hundred and nine points. Super happy and can't wait to renew once the first year is up."

Debbie G

"I recently moved to the states and had no established credit. Using this service along with two prepaid credit cards, my score went from 4 - 710 in 9 months."

Neil M

Read more reviews read more reviews button

Benefits of a Credit Builder Account

green check mark for CBA benefits
Convenient and available in all 50 states.

Unlike most credit unions, Self is available online and via our mobile app.

green check mark for CBA benefits
Build Payment History & Credit.

Self helps you establish payment history, which is key to building credit.

green check mark for CBA benefits
Path to a secured credit card.

Unlock access to the Self Visa® Credit Card.

Apply today Apply today button

Take control of your credit today.

Please enter a valid email.