# Self - Credit Builder & Cards — Build credit for a credit card > Build credit and savings, access cash advances, and report rent payments. (iPhone/iPad app by Self Lender, Inc..) - Source: https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562 (this page in markdown: same URL + `.md`) - Developer: [Self Lender, Inc.](https://appshunter.io/developer/1364215561) - Category: Finance, Productivity - Price: Free - Rating: 4.90/5 from 326,646 App Store ratings · 845 written reviews indexed - Age rating: 4+ - Requires: iOS 15.5 · 109 MB - Languages: American English - Released: 2018-03-30 - Data updated: 2026-08-27 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562/reviews.md ## What is Self? Build credit and grow savings or use the secured Self Visa® Credit Card to build credit. Starting fresh or needing a credit builder? Self can help you create better financial habits and put you in control of your finances. All credit scores are welcome. THE SECURED CARD WITH NO CREDIT CHECK - Add the secured Self Visa® Credit Card* to your toolkit - No credit check required - High approval rates - Control your credit limit - Build credit with all 3 credit bureaus - Get reviewed for unsecured credit after 6 months - Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER - Sign up for a Credit Builder Account¶, and lift your credit score by 47 points, on average‡ - Plans start at $25/mo.§ - Unlock your savings at the end, minus interest and fees - No credit score req. - No credit check GET THE CREDIT YOU DESERVE FOR RENT, CELL PHONE BILLS AND MORE‖ - Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.¹ - On time rent payments reported to Experian, Equifax & TransUnion - On time utility & cell phone payments reported to TransUnion - Credit monitoring by TransUnion - No credit check - Cancel any time DISCLOSURES *Self is not a bank. The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change. Intro Offer: $0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only. Self Plus Credit Card issued by Lead Bank or Sunrise Banks, N.A. See Self.inc for details. Fees Apply. ¶Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval. ‡Based on a 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time. §Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample loans: $25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. Variable admin fee of $1-$5 may apply. See self.inc/pricing. ¹Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. ‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent/utility payments. Self Financial, Inc. PO Box 11, Southlake, TX 76092-9998 ## Key features - 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 ## Chart rankings - #148 in Top Free · Finance (US App Store) ## What do users think of Self? Overall sentiment: positive **Pros** - 🚀 Helped build credit quickly - 👍 Easy to use and understand - 💰 Saves money while building credit - 🆙 Boosted credit scores significantly - 🤝 Responsive and helpful customer service **Cons** - 🐛 Inconsistent autopay issues - ⚠️ Unexpected account closures - 💸 Fees and interest charges - 🕰️ Slow payout process after loan completion - 🤔 Misleading or unclear policies **Commonly reported bugs** - Autopay failures - Unexplained account closures **Most requested features** - Faster payout process after loan completion - More transparency around fees and policies - Improved autopay reliability - Ability to easily close accounts ## Recent user reviews (10 of 845) All indexed reviews: https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562/reviews.md ### 1/5 — Horrible app *2026-08-25, version 10.0.0* You’re better off without this app. ### 5/5 — Best App Ever *2026-08-25, version 10.0.0* Self credit builder changed my life thank you so much, it made my credit score go up so fast and built my name so big!!! Thanks a lot ### 1/5 — Terrible decision *2026-08-24, version 10.0.0* My credit builder I closed because I decided to deal with somewhere else. It says I was supposed to receive my payout within 5-7 business days. Instead it’s still on review. My issue is you can’t make up your own rules as to when someone will receive there funds. Also when im handling business address me by my last name why is it so many businesses thinking it’s ok to call a person by their first name is beyond me. The agent I spoke to seemed like he had an issue with being corrected. I will not be using there services EVER AGAIN. ### 3/5 — App is cool but… *2026-08-23, version 9.0.0* u always updating!!!😂 ### 1/5 — Blah *2026-08-23, version 9.0.0* Where are the cash offers to borrow ### 1/5 — Scam *2026-08-23, version 9.0.0* How are yall charging me for my money ### 1/5 — not worth *2026-08-20, version 9.0.0* Too expensive and way too slow. The service takes too long, and it’s not worth the price. ### 3/5 — The start up process was quick but the actual fun part hasn’t I haven’t received my car *2026-08-20, version 9.0.0* It’s been 2 Month the customer service is horrible ### 5/5 — Highly recommend *2026-08-19, version 9.0.0* Been doing this for 2 years now, I’m on my 3rd CD. And have the credit card as well. App is easy to use. You can also raise your credit card limits using personal funds or you can use funds from your CD. For example your CD has 175.00 in savings, you can raise your credit card limit by 175.00. You also build credit using both the credit card and the CD. ### 1/5 — Don't do it they'll screw you *2026-08-19, version 9.0.0* So I've had this card for about two years, never received the card and then I finally just decided to get my money back and self made up all these fees and kept all my money they gave me $.99 back. Don't use this card!!!!! ## Frequently asked questions about Self ### 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. ## Version history (last 5 releases) ### 10.0.0 — 2026-08-24 Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes ### 9.0.0 — 2026-08-10 Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes ### 8.0.0 — 2026-08-03 Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes ### 7.14.0 — 2026-07-14 Thank you for using Self! This app update includes: - Minor app improvements updates & bug fixes ### 7.13.0 — 2026-06-29 Thank you for using Self! 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-27.*