# Self - Credit Builder & Cards — user reviews > 859 indexed App Store user reviews of Self by Self Lender, Inc., rated 4.90/5 from 329,433 ratings. - Source: https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562/reviews - App overview in markdown: https://appshunter.io/ios/app/self-credit-builder-and-cards/id1364215562.md - Rating breakdown: 5★ 302,466 · 4★ 16,168 · 3★ 4,257 · 2★ 1,509 · 1★ 5,033 ## 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 ## Newest reviews (10 of 859) ### 3/5 — Update *2026-08-26, version 10.0.0* Great app helps with credit but every time you open the app you have to update it it’s annoying I shouldn’t have to update every time ### 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 ### 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!!!!! ### 1/5 — Refund ME *2026-08-17, version 9.0.0* I don’t have an account with SELF. I have written to you just to be ignored! I want my money back. ### 1/5 — Won’t connect bank account *2026-08-16, version 9.0.0* 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… ## Most critical reviews (10 lowest-rated) ### 1/5 — Credit *2026-09-03, version 10.0.0* Haven’t noticed anything on my credit in regards to this account only, nice for a small savings on the side but no big difference in credit restore ### 1/5 — Takes your money! *2026-09-03, version 10.0.0* I started the credit builder at $25 per month. It keeps taking money out. I got up to $100 in, had about $92 last week. Legged in this morning to see a balance of $75. They took $25 out of my account without a reason or permission. I will be requesting ALL of my funds back and closing this scam of a n account. ### 1/5 — Scam *2026-09-02, version 10.0.0* I paid $35 a month cause I was told I’d get a bigger pay out I paid $805 jus to get back $392 back with no help for my credit I wouldn’t recommend this card to anyone ### 1/5 — Sad *2026-08-30, version 10.0.0* Won’t give Me back my money said they had a deal for me and never received it took my money and never gave it back p ### 1/5 — Self was good until they became Trash *2026-08-27, version 10.0.0* Don’t waste your time with Self. I used Self for a while and made my payments on time. I had one late payment (Due to a new debit card), and they blacklisted me from the borrow option. If your payment is late, you might as well skip it, because you’ll never get an offer again anyway. I give Self the grade of F-. ### 1/5 — Not Good *2026-08-27, version 10.0.0* This self app does not build you credit it’s a waste of time. ### 1/5 — Trash *2026-08-26, version 10.0.0* Don’t get this app it doesn’t let you cancel when ever you want it’s trash ### 1/5 — Decepcionante… *2026-08-26, version 10.0.0* Estaba muy entusiasmaba con poder registrarme pero, desafortunadamente mi número telefónico al tener código de área de Puerto Rico (que es un territorio de los Estados Unidos) no me lo permite. ### 1/5 — Regarding fraud and non service *2026-08-26, version 10.0.0* When I opened a dispute regarding fraud and non-service they really just brushed me off. They ignored all the evidence I submitted when I tried getting answers. They just hung up on me promised a proper investigation and never was done to be honest. I’m at that point where I may just cancel my account and I’ve had them for years. This experience was pretty bad. You can’t count on self to handle such things if you can get a real credit card elsewhere, you’re probably better off getting it from a real bank and not a prepaid bank ### 1/5 — Horrible app *2026-08-25, version 10.0.0* You’re better off without this app. ## Most praised reviews (10 highest-rated) ### 5/5 — Unusual activity *2026-09-03, version 10.0.0* Stopping a transaction that I didn’t authorize from reoccurring keep up the good work ### 5/5 — Great *2026-09-03, version 10.0.0* This is a great app if you’re looking to build your credit ! ### 5/5 — Not good at saving *2026-08-30, version 10.0.0* I'm so glad to have started my credit building process with SELF! Normally I let money burn through my pocket but the SELF I have one loan I'm paying off for two years and then I get it back in full. It's slowly building my credit. I might start another one to further gg ### 5/5 — Great way to improve your credit score *2026-08-27, version 10.0.0* Very pleased at how quickly my score has greatly improved by obtaining prepaid debit card that I pay off any charges I incur each month so I maintain my established prepaid credit limit . Plus another option where I make pre- established-payments each month on time as if paying on a “loan”, which the payment actually goes to an account in my name that I was able to cash out at anytime without hassle . ### 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 ### 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. ### 5/5 — Boost in credit score *2026-08-18, version 9.0.0* I love this app it helps with on time payments ### 5/5 — Life Saver *2026-08-18, version 9.0.0* This app really help turn my credit around. I would highly recommend to family and friends! ### 5/5 — Self is the best thing *2026-08-18, version 9.0.0* If you want to build your credit, please apply for self secure credit card. It’s the best thing ever happened. ### 5/5 — The greatest *2026-08-16, version 9.0.0* 👍 --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-13.*