Self Financial in 2019: Growth, Growth and Growth


By James Garvey, CEO of Self Financial

Read my previous recaps from 2018, 2017 and 2016.

For the last 4 years, I've had this crazy habit of writing a weekly newsletter that I share with our Self employees, shareholders and advisors. Every Saturday, I send a short email along with a photo, a few thoughts and some stats.

Below is a high level summary of what we've accomplished with an accompanying collection of 12 photos from my Saturday email updates.

2019 @ Self Financial

  • +47 points average credit score increase for on-time customers — Self customers who paid on-time, experienced an average credit score increase of +47 points, as calculated via Experian VantageScore 3.0
  • $200 million in Self accounts — Self customers committed to build credit and save more than $200 million in their Self accounts in 2019
  • Self Visa® Credit Card — We launched the Self Visa Credit Card that allows Self customers to use their credit builder account to secure their credit card line, without a credit check or additional deposit
  • 4.9 stars in App Store — 11,000 customers have reviewed the Self app in the App Store and nearly 5,000 reviews in Google Play with 4.8 stars
  • Grew from 31 to 53 employees — In order to support our growth, we moved into a larger office in downtown Austin

January 2019


We started 2019 with 31 employees headquartered in Austin.

February 2019

2019-year-end-3-tiny invited us to speak at their financial inclusion conference.

March 2019


Our bank partner, Sunrise Banks, N.A., sponsored our SXSW party at our Austin office. If you're thinking about attending SXSW, send us a note at and we'll arrange a tour.

April 2019


We celebrated Karthic's 3-year anniversary at Self — and Kelvin and Brian's 2-year anniversary at Self. We wouldn't be here without these folks.

May 2019


We had the opportunity to attend a roundtable hosted by the Consumer Financial Protection Bureau (CFPB).

June 2019


According to Experian, 100 million Americans could benefit from greater access to credit. Self agrees :).

July 2019


Our product team demonstrated how easy it is for Self customers to get the Self Visa® Credit Card.

August 2019


Welcome to our rocketship.

September 2019


Prior to launching our Self Visa Credit Card, we integrated with Apple Pay and Google Pay wallets.

October 2019


Self Visa Credit Card launched in October 2019 :).

November 2019


In November 2019, Self achieved a new milestone: 50 employees.

December 2019


We love that our customers love Self as much as we do.


If you’re interested in helping us help others build credit and save money, then come work with us! Visit our Self careers or email us @ careers at

About the author

James Garvey is the CEO and founder of Self, a venture-backed startup that helps people build credit and save money.

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Written on December 27, 2019
Self is a venture-backed startup that helps people build credit and savings. Comments? Questions? Send us a note at

Disclaimer: Self is not providing financial advice. The content presented does not reflect the view of the Issuing Banks and is presented for general education and informational purposes only. Please consult with a qualified professional for financial advice.

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