Leave a Review Self
Highly recommend this app and I’m usually a skeptic
I couldn’t say enough good thing about this app/program whatever you want to call it. Yes on my $600 total paid I got out $514 or something like that. However way I looked at the whole time was I was saving. And with saving interest rates being essentially 0, which is ridiculous but true, having an app that saved money while building my credit was a godsend for me and helped me drastically with my credit. I paid my account off after only like 4-5 months because I could. My only suggestion and it’s not a huge deal but was definitely an inconvenience and a bit misleading was that it gives you the option to either pay out after the term that was acceptable at the beginning is over or to pay it out once it’s completely paid in full, and it states they would be immediately once it’s paid in full. So once I paid mine in full I had assumed it would be a day maybe 3 at most before money was in my account. It’s been 10 days already and it says it’ll be on 8/13 so Thursday. But that will make it 12 or 13 days. But other than that minor inconvenience the app is amazing and I’d highly recommend it.Show lesskerwinc10
An actual miracle
I was super intrigued when I first heard about Self and I waited a few months before pulling the trigger. Well I wish I would’ve done it sooner!! Within a month my score went from 487 to 581. After that I applied for a totally separate secured card through a different bank and got approved. Mind you, my credit was so bad with derogatory marks that I couldn’t even get approved for a SECURED card before all this. (Don’t judge me lol) Anyway since I opened the secured card my score went up another 46 points!! So altogether, in just over a month, my credit score went from a 487 to 627 and it all started with Self. I am so grateful for the opportunity to rebuild after the mistakes I made in the past. I truly thought I was screwed for life and now for the first time in a long time I feel hopeful that I can get back on track if I keep working at it. All that said, I realize everyone’s results will vary and that for some people it may take more time to see that big of a jump. I still think it’d be worth it, worst case you see a small increase in your score and then get a nice savings coming back to you at the end! So my advice: if you’re on the fence just go for it, you’ll wish you had done it sooner!Show lessTorinatorxx
Developer Response
That's amazing, congratulations on your progress 🎉 We love hearing how we've been able to help our customers!Really good for young people
So I made the mistake of trying to buy vehicles without any credit. One company only did one hard inquiry and another really messed up. The did 7 hard inquiries. 7. My credit was looking low. I had a credit card but only for about 3 or 4 months and it was always paid off on time but it was just so slow building my credit. I started looking up ways to build it and self popped up. I was skeptical about it at first because you know, I don’t like giving out personal info to an app. And I wasn’t really sure if it even worked. After research and reading hundreds of reviews I decided to go ahead and download the app. I make decent money for being 18(well 19 now) so I went with the most expensive one they had. Yes. The interest is high but it’s not that noticeable. Your credit will go down because you opened a new line but give it 2-3 months. My credit has shot up probably 30-40 points. Do not do this if you aren’t sure if you can afford to make payments. I knew I could. If you make your payments on time (I have mine on autopay) then you will see the results happen so quickly. 10/10 will recommend this app for new credit builders.Show lessRay dude29
Developer Response
Thank you so much for the kind words! We're so happy to hear how we've been able to help 🙂Great for building credit
At the time of writing i’m 23 and had gotten a $500 card my sophomore year of college (O was 19). As you’d guess, I, like an idiot, maxed it out and walked away. Fast forward 3 years and I rent a house from my dad with some buddies (so no positive credit built there), my truck is in his name even though I pay for it, and i’ve been graduated out with my degree and working a “big boy job” for 6 months now. In 3 (2 payments so far) months, Self + a $200 secured credit card have boosted my score from a 560 to a 670. Worth it ALL. DANG. DAY. I’m very happy I stumbled upon their app through social media or something kind of random. After my 3rd successful payment ($100 or more total) I can get a regular non-secured $500 card through Self (not to mention wherever else now that my credit’s improved!) and i’m very excited to be moving up. I chose to pay ~$40 /mo to get $500 paid to me in a year. Self’s fees are like $40 or $50 and for the boost i’ve received so far it’s been incredibly worth it. I don’t usually write these kinds of reviews but I hope it’s helpful to anyone out there trying to build their credit. It is worth noting I didn’t have a ton of bad credit marks against me, just that $500 card I walked away from in college. I would also expect some sort of plateau soon, but so far the jump has been huge. I’m 100% planning on buying a new truck in 9 months and i’m betting the only reason i’d have been approved was because of Self 😂 Best of luck, y’allShow lessNoblecreature
fontana ** NEW IMPROVED CREDIT**
self is a great card to help your credit as I was trying to purchase a house I have went up 86 points from this alone there’s also another account called the gold card from Open Sky and I went up another 50 points on that as well without the Self card having a Self CD for myself and my husband I don’t know where I would be right now it only took three payments for my points to go up 86 points which is a lot I love this company and would recommend it to anybody looking to improve their credit and I thought there was no hope for me I honestly did good luck.. all I can recommend is please make sure your payments are on time and you should have the same results because if anybody in the world thought differently it was me so it’s real I would just check it once a week as what I normally do make sure the payment and everything went through and everything was good but I never had an issue wonderful companyShow lessfontana69
86 Points in Two Months!
My score has been raised 86 points in two months with SELF. Obviously I am making payments on other things but your investing in your own financial future. You borrow money that turns into your own money at the end of your loan term. Like why would you not invest in yourself. It looks great for payment history. I believe once you make 3 monthly payments and pay back a certain amount... you qualify for their Credit Card as well. (I’m sure pending some type of credit history with the lender) don’t miss any payments set up auto pay!!! The payment amount each month are low which makes this manageable for just about anyone!
I haven’t had any issues and when I did speak to customer service with a question the reps are amazingly friendly.
I recommend this service to anyone working on establishing their credit again. It’s worked wonders for me. Easy to mess up your credit and twice as hard to build it back up!Show lessOllie650
It’s worth it if you’re patient
I started self with a credit builder loan of $150/month. In the beginning, self lender did not really help my credit, it would go up here and there by just a few points. However, after a certain amount of time of being with self and making my payments on time they offered me a cc, I put $525 of my amount that I had saved so far towards it which would be my limit. Using the cc gave me credit that I didn’t have which made my score go up. I continued to use my cc which came in handy for a lot of things and pay it back on time every month or pay the full balance if I had it. I finally paid my self loan off ahead of time and they once again, offered me the option to up my cc which I did and now have a limit of $1,675. I started in may of 2019 with a score of 482 my new score as of March 2020 is 622. Now, I do also have a car payment that gets reported too so that may have also helped. Also, the loan portion is fully paid off and closed but I can still keep the cc if I want to or I can close it too. BEST OF LUCK!Show lessAnon1998_
Wow
Let me start off by saying this is a CO oletely unsolicited review, self has not imposed any need to review their app in order to use it.
I downloaded self about a month and a half ago. My credit was thrashed due to a personal issue three years ago and I am now in a position where I am able to start doing something about it. I saw their ad on Facebook and decided to give it a try. Just last week my credit score jumped by 77 points due to my participation in their credit building program and it onky took an on time payment of $25!! I am now able to apply for a credit card in order to further build my credit and this would NOT have been possible had I not taken a chance on Self.
Now this may not be the case for everyone, but the reason my credit score was so low was because I didn't have any accounts that I was paying on that reported to agencies. As soon as Self showed up my credit score soared! If this is the case for you and you need a boost in your score; Self is a simple, low cost way to rebuilding or starting to build your credit.Show lessSayGo85
Helped me twice
Self lender is an innovative way to help one save money, invest money, and build credit. The first time I had an account it help my credit score a lot after taking a hit from medical bills and buying a car lowered my score for a while. I also was able to get the money I invested easily due to an emergency and close the account. I’m now on a second account and will follow through as I am better financially and not in debt as much anymore. Self Lender has revived my credit score once again from the dead and now my credit score is higher than it EVER was!!! I love Self Lender not only because of my credit score raising but also it forces me to save money because you can’t just withdrawn from it like a bank card can. It’s an investment in you, your credit and a forced savings. I recommend it all the time to people but they don’t believe me that this exist! Oh well their loss! Paired this with acorns to force myself to save money and invest as I am 30 now. Will always continue using self lender!!Show lessNightownaide
