We're Self.

We're here to help you build credit and savings and reach your financial goals.


It all started with some missed payments.

CEO James Garvey founded Self in 2015 after making a mistake with automatic payments on his credit card. By the time he caught it, his credit score had tanked. In searching for a way to rebuild his credit, he saw some of the challenges faced by the more than 100 million Americans with low or no credit.

"To get credit, you need to have credit. It's a catch-22, and the system is set up against you," James says. So he created a solution that works regardless of your credit history.

Over 4 million builders served, and counting.

Instead of dwelling on scores, we focus on what you aspire toward. Whether it’s being a Home Builder, a Queen Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.

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Meet the Self Team. We're Builders, too.

From engineering to customer success, we are always looking for new, different opinions and backgrounds to expand the scope of the good our company can do. Join us.

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We're committed to inclusion.

We strive for a work environment where every individual is seen and heard. Our Diversity, Equity, and Inclusion program and Employee Resource Groups enhance the contribution of all, making Self a better place to work.

Our core values


Be Your Authentic Self

  • We value who you are and the path you've taken to get here.
  • We value diversity and diverse perspectives.
  • We treat people with respect for who they are.
Puzzle Pieces

We're Better Together

  • Collaborate to meet our goals.
  • Getting it right is better than being right.
  • Assume positive intent.
  • Be humble and kind.
  • Work hard and have fun.

Own and Deliver

  • Each of us is responsible for our words, our actions, and our results.
  • See it through.
  • Think of tomorrow, today.

Do the Right Thing

  • Our business is complex; take the time to know the rules and live them.
  • Speak up: see it, say it.
  • Lead by example.
Mountain Climbing

Builders First

  • We create products that support our customers in achieving their long term financial goals.
  • We provide customer service with empathy and respect.
Magnifier Eye

Transparency Matters

  • We maintain clear and open lines of communication.
  • Mistakes happen; what matters is how we respond to them.

We wouldn't be here without support from our investors.

Altos VenturesSilverton PartnersMeritechConductive VenturesKickstart
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