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.^

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

Your money is secured and protected in a bank account.

Pay off the loan in 12-24 months^.

You can choose a repayment plan that fits your budget.

Each payment builds credit history and adds to your savings.

Your payments are reported to all three credit bureaus.

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.

Get Started

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.

Start Building History
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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.

Get Started
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Need a credit checkup?

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

Get My Score

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

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