Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

322K ratings
806 reviews
#130 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

📈 130+3

Finance

This app rose +3 positions in Finance chart.

Last updated on August 8, 2026.

Events

Read more about Build credit for your future.

Build credit for your future.

Stack the tools that support your credit journey.

Jul 21, 2026 Aug 21, 2026

Read more about +23 pts for customers on avg.

+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 about Speed up your credit building.

Speed up your credit building.

Self reports to the bureaus in less than a week.

May 20, 2026 Jun 20, 2026

User reviews

Don’t trust

Knocked my credit down 40 points because the app wouldn’t let me pay . When I tried to pay it would say 0$ balance but then I back out and it says I owed 25. Now stuck doing this until 2028

Great Credit Builder

My credit took a hit a while ago and this was the only secured credit card I applied for that would accept me, with that being said in around 4ish months of me having this card and making on time payments my score has went up by nearly 70 points! Love it!

Money saving

I'm so glad to be in self credit builder to save money.

Credit Score

I love this app however the credit score link has never worked since I've been a member and with the new update, it still isn’t.

Rebuilt my credit by by Self

I rebuilt my credit by itself with the credit builder account where I built up Cash to increase my balance and then they gave me an unsecured balance on my credit builder account and then they gave me a new credit card with a total balance of 1500 unsecured because of my credit history I’m at 800 for Experian way over 700 on the other two I would give this a five star I only made a $35 payment for the last year and a half and I’m not gonna cash out because if you do your credit score will plum because you don’t have that credit history. I’ll be transferring mine in September to a CD and I just got another increase on my cred builder account. So I am totally happy with Self. I know there’s a lot of other ones out there, but this is the first one that I saw like this a couple years ago.
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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.