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Self - Credit Builder & Cards

Self - Credit Builder & Cards

Build credit for a credit card

324K ratings
807 reviews
#138 in free Finance
📊 Productivity
💰 Finance
Free

Details

  • Released
  • Updated
  • March 30, 2018
  • August 10, 2026

Features

Developer

Self Lender, Inc.
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Self - Credit Builder & Cards screenshot #7 for iPhone
📉no. 138
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Reviews summary↘︎
⭐807
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🔄6+ apps
Alternatives↘︎
🎪3 available
Events↘︎
❓5 answered
FAQ↘︎
📦~ in 2 weeks
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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 324K 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

9.0.0

August 10, 2026

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

More

Charts

Top Free

📉 138-1

Finance

This app dropped -1 position in Finance chart.

Last updated on August 12, 2026.

Events

Read more about Build credit for your future.
AvailableMajor 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

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

See All

User reviews

Most RecentHighest RatedLowest Rated

Build your credit

Self is a great starter credit card, it’s perfect for young people just starting to build their credit and for those who are rebuilding their credit.
goldensvanitygoldensvanity

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
MadamYeenMadamYeen

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!
WhoopsiesMWhoopsiesM

Money saving

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

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.
LovinmybitmojiLovinmybitmoji
See 802 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.