Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

322K ratings
788 reviews
#122 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 30, 2018
  • August 3, 2026

Features

Self - Credit Builder & Cards screenshot #1 for iPhone
Self - Credit Builder & Cards screenshot #2 for iPhone
Self - Credit Builder & Cards screenshot #3 for iPhone
Self - Credit Builder & Cards screenshot #4 for iPhone
Self - Credit Builder & Cards screenshot #5 for iPhone
Self - Credit Builder & Cards screenshot #6 for iPhone
Self - Credit Builder & Cards screenshot #7 for iPhone
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About

Build your credit history and savings simultaneously with tools designed to improve your financial wellness. Access quick cash advances for unexpected expenses without a credit check. Report rent and utility payments to boost your score.

Build credit and savings together
Cash advances up to $100
Secured Visa credit card with no credit check
Report rent and utility payments
Credit monitoring
Unlock savings at the end of plans
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What users say

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+1

What's New in Self

8.0.0

August 3, 2026

Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes

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Charts

Top Free

📉 122-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 3, 2026.

Events

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+23 pts for customers on avg.

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Read more about Speed up your credit building.

Speed up your credit building.

Self reports to the bureaus in less than a week.

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User reviews

Awsome!!

Totally worth it!! Awesome!!

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Glitching

I’m trying to log in and the two step verification process is not letting me enter the code from email. It’s also not allowing me to receive the code through sms.

App never loads

I love this program and it was really helped with my credit score. However, for months now, whenever I try to use the app, it sits and spins and never loads for me to manage my account when logged in. I have plenty of storage and always keep my phone and app updated. I work in App development and know how to troubleshoot, but no matter what I always have to end up going through the web portal. Pretty disappointing.
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Bad experience

My payout had been on hold for weeks. This is my 3rd self builder account. This time I had a very frustrating experience with Self’s verification process. I was asked to provide documentation for payments made from my account ending in 0708, which is my PayPal account through The Bancorp Bank.

The problem is that PayPal does not provide bank statements showing the account number and mailing address the way a traditional bank does. I explained this and provided the available documentation, including my PayPal transaction history showing the exact payments made to Self, but it still felt like my legitimate payments were being treated as suspicious.

I have never attempted to commit fraud. I simply use both my Navy Federal account and my PayPal account to manage my finances, which is common for many people. Instead of working with me to verify the information that was available, the process felt rigid and accusatory.

I understand that financial institutions need to prevent fraud, but there should also be a reasonable understanding of how digital payment platforms like PayPal work. Customers shouldn’t be left feeling like they’re being treated as dishonest simply because a third-party platform doesn’t generate documents in the format Self prefers.

I hope Self improves its verification process and trains its support team to recognize legitimate payment methods such as PayPal, so other customers don’t have the same experience.
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User experience

🐞

Reported Bugs

2 issues

Autopay failures

Bug

Unexplained account closures

Bug

Requested Features

4 requests

Faster payout process after loan completion

Feature

More transparency around fees and policies

Feature

Improved autopay reliability

Feature

Ability to easily close accounts

Feature

FAQ

What does the Self app do?

The Self app helps users build credit and savings simultaneously through various tools. It offers features like credit builder accounts, a secured credit card with no credit check, and the ability to report rent and utility payments to credit bureaus. It also provides quick cash advances for unexpected expenses.

How can I build credit with this app?

You can build credit by opening a credit builder account, which requires regular payments that are reported to the three major credit bureaus. Additionally, the app offers a secured Visa credit card with no credit check, and you can report rent and utility payments to establish positive payment history, a key factor in credit scores.

Is there a cost to use the Self app?

The app itself is free to download and use. However, there are costs associated with certain features, such as monthly fees for credit builder plans starting at $25/month and a fee for building credit with cell phone, water, electricity, and gas payments ($6.95/mo). The secured Self Visa® Credit Card has a $0 annual fee for the first year, then $25 annually.

What are the requirements for a cash advance?

You can qualify for cash advances of up to $100 with no credit check and no impact to your score. You can see offers in less than 5 minutes, and there are no hidden fees or monthly charges associated with these advances.

Can I report my rent payments to build credit?

Yes, you can report your rent payments at no extra cost to increase your credit score. This feature allows you to build credit with all three major credit bureaus by establishing positive payment history, which is the number one factor in credit scores. It's a fast way to build credit without a hard pull or credit check.