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Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

324K ratings
833 reviews
#146 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 30, 2018
  • August 10, 2026

Features

Developer

Self Lender, Inc.
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Self - Credit Builder & Cards screenshot #1 for iPhone
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Self - Credit Builder & Cards screenshot #7 for iPhone
📈no. 146
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📌Ready
Reviews summary↘︎
⭐833
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📝40+ tags
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🔄6+ apps
Alternatives↘︎
🎪3 available
Events↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
Updates frequency↘︎
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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
Show original description

What users say

Summarized from real user reviews of Self. Based on 324K reviews and a 4.9/5 average, it highlights the 5 positives and 5 negatives reviewers mention most about this Finance app.

Positive things

  • 🚀Helped build credit quickly
  • 👍Easy to use and understand
  • 💰Saves money while building credit
  • 🆙Boosted credit scores significantly
  • 🤝Responsive and helpful customer service

Negative things

  • 🐛Inconsistent autopay issues
  • ⚠️Unexpected account closures
  • 💸Fees and interest charges
  • 🕰️Slow payout process after loan completion
  • 🤔Misleading or unclear policies
See all reviews

What's New in Self

9.0.0

August 10, 2026

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

More

Charts

Top Free

📈 146+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 24, 2026.

Events

Read more about Build credit for your future.
Event EndedMajor Update

Build credit for your future.

Stack the tools that support your credit journey.

Jul 21, 2026 — Aug 21, 2026

Read More

Read more about +23 pts for customers on avg.
Event EndedMajor Update

+23 pts for customers on avg.

See a +23 pt score lift in 90 days on average.

Jun 20, 2026 — Jul 21, 2026

Read More

Read more about Speed up your credit building.
Event EndedMajor Update

Speed up your credit building.

Self reports to the bureaus in less than a week.

May 20, 2026 — Jun 20, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

Self is the best thing

If you want to build your credit, please apply for self secure credit card. It’s the best thing ever happened.
L hellL hell

Refund ME

I don’t have an account with SELF. I have written to you just to be ignored! I want my money back.
jallen1362jallen1362

The greatest

👍
Ali Sha-leaseAli Sha-lease

Won’t connect bank account

My bank is connected but it still says reconnect bank account. I’ve reconnected it 20+ times already. I even received an email saying my Chase bank account is connected. It’s funny because I receive marketing emails from self saying get a cash advance! Okay then fix your app! The first step to get an advance is to connect your bank account 🙃

Support hasn’t replied in weeks. Terrible app. Even worse support. It blows my mind they have good reviews…
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ctracy007ctracy007

Almost perfect

The customer service sucks! Hardly ever need them thank goodness but man it’s terrible. Only reason I went a star short on perfect. Great service and solid results while you working down the balance. I recommend this to anyone building initially or rebuilding.
Robbé SuavéRobbé Suavé
See 828 more reviews

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.