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Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

331K ratings
880 reviews
#141 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 30, 2018
  • September 14, 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. 141
Charts↘︎
📌Ready
Reviews summary↘︎
⭐880
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 331K 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

12.0.0

September 14, 2026

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

More

Charts

Top Free

📉 141-7

Finance

This app dropped -7 positions in Finance chart.

Last updated on September 21, 2026.

Events

Read more about A new path to better credit.
Event EndedMajor 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

Excelente

Excelent
HLopez0134HLopez0134

My go to credit card

Self has helped me keep my finances in line and has helped boost my credit dramatically!
DabbyLouWhoDabbyLouWho

Cancel

I have been trying to cancel and it is a huge ordeal
202 salon & spa202 salon & spa

Best

Great way to build credit fast!
Rock ninerRock niner

Scammers

I closed my account with them the same day and they was supposed to give me back my refund for 100$ and I never received it. It’s not been 2 months and I never gotten anything not even a paper check that they claimed was coming I’m so over it with this company they denied my direct deposit due to failure and I have yet to get my 100$ and it’s now September 17th
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Occasionally00Occasionally00
See 875 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.