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Self – Credit Builder & Cash

Self – Credit Builder & Cash

Build credit or get cash now.

318K ratings
760 reviews
With Ads#128 in free Finance
📊 Productivity
💰 Finance
Free
With Ads

Details

  • Released
  • Updated
  • March 30, 2018
  • July 14, 2026

Developer

Self Lender, Inc.
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Self – Credit Builder & Cash screenshot #1 for iPhone
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Self – Credit Builder & Cash screenshot #8 for iPhone
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Reviews summary↘︎
⭐760
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Alternatives↘︎
🎪3 available
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❓5 answered
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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 318K 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

7.14.0

July 14, 2026

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

More

Charts

Top Free

📉 128-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 18, 2026.

Events

Read more about +23 pts for customers on avg.
AvailableMajor 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

Read more about Unlock a higher credit limit.
Event EndedMajor Update

Unlock a higher credit limit.

Get reviewed for unsecured credit after 6 months.

Mar 19, 2026 — Apr 19, 2026

Read More

See All

User reviews

Most RecentHighest RatedLowest Rated

self

i’ve had my card and my account going on a year and a half now everything’s great no issues great company
Gino StephensGino Stephens

Not good

This is probably the worst credit building app out there. The money you “save” is eaten up by their fees, the app takes days to register a purchase and even longer to process a payment/update balances. And you can’t cancel either as it will affect your credit.
Jbcanymo125@Jbcanymo125@

Self

Best real credit builder I’ve used thus far
SmashB31SmashB31

hacked

poor management and verification of accounting
dev9109dev9109

Amazing

Best credit building and starting for 16+
ifwyasisifwyasis
See 755 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.