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Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

327K ratings
845 reviews
#154 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 30, 2018
  • August 24, 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. 154
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📌Ready
Reviews summary↘︎
⭐845
Reviews↘︎
📝40+ tags
Tags↘︎
🔄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
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What users say

Summarized from real user reviews of Self. Based on 327K 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
+1

What's New in Self

10.0.0

August 24, 2026

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

More

Charts

Top Free

📈 154+1

Finance

This app rose +1 position in Finance chart.

Last updated on August 29, 2026.

Events

Read more about A new path to better credit.
AvailableMajor Update

A new path to better credit.

Join 7+ million people who have downloaded Self.

Aug 21, 2026 — Sep 21, 2026

Read More

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

See All

User reviews

Most RecentHighest RatedLowest Rated

Horrible app

You’re better off without this app.
brandonhaybrandonhay

Best App Ever

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
Sobhi MSobhi M

Terrible decision

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.
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tikii trenziitikii trenzii

App is cool but…

u always updating!!!😂
Luisss AngelLuisss Angel

Blah

Where are the cash offers to borrow
Cash offersCash offers
See 840 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.