Build credit history & save money.

No credit? Need to build credit? No problem.

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How does it work?

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We put a loan in a bank-held CD (Certificate of Deposit) in your name.
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You make monthly payments. Every on-time monthly payment builds credit history.
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At the end of your plan, you get your money back, minus interest and fees.
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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.

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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

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Benefits of a Credit Builder Account

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Alternative to a secured credit card.

We don’t require an upfront deposit like most secured credit cards.

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Convenient and available in all 50 states.

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

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Build Payment History & Credit.

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

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Take control of your credit today.

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