Take control of your credit score.

Self helps you build credit for any stage in your financial journey.

No credit score is needed to get started!

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How it works

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

1
Apply for a loan that is held by our bank partners.

Your money is secured and protected in a bank account.

2
Pay off the loan in 12-24 months^.

You can choose a repayment plan that fits your budget.

3
Each payment builds credit history and adds to your savings.

Your payments are reported to all three credit bureaus.

4
Get money back at the end after building credit history.

Your paid off loan unlocks and you get the money back, minus fees and interest.

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Payment history makes up 35% of your credit score^^^

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Self can help

By opening a Credit Builder Account and paying monthly, on-time, you can build positive payment history.

What's your goal?

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No credit history?

Self’s Credit Builder Account helps you build credit history with 3 different credit bureaus in 12-24 months. It's a simple alternative to a credit card.

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Need to build your credit?

Life happens, and sometimes your credit takes a hit. Self is here to help get you back on track.

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Need a credit checkup?

Sign up today and see your credit score, plus what you can do to improve it.

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Over 600,000 people have gotten their credit back on track with Self.

shopper approved logo4.7 Stars

Overall satisfaction rating based on 1,031 ratings from actual customers.

"When I started Self Lender my credit was terrible and within the first 3 months my score increased 40 points!!!! It did take a few weeks before it reported the first time but it was well worth the wait."

Dawn M

"Self Lender has been a fabulous service for me, as I have started building my credit history. I jumped 30 points over the period of my account, and I just got my savings I built deposited into my bank account!"

Evan M

"I just wanted to take time out of my day to give a huge praise to SelfLender. I have been a customer for just one month and my credit score jumped up over 90 points from opening my SelfLender account. THANK YOU."

Alexandra G
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Sign up for Self today.

We're here to help you build credit - Finally, a responsible way to build credit while you save.

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