Self

Welcome to Self, your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.

With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.

BUILD CREDIT BY REPORTING YOUR RENT PAYMENTS FOR FREE
- Grow your credit score for free2
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- Establish positive payment history — the #1 factor to build credit*
- Track credit score with VantageScore 3.0†

GROW YOUR CREDIT & SAVINGS WITH THE CREDIT BUILDER ACCOUNT‡
- Plans start at $25/mo.§
- Unlock your savings at the end, minus interest and fees‖
- No credit score required
- No hard credit inquiry, no credit check

UNLOCK THE CREDIT CARD FOR CREDIT BUILDERS
- Work toward a secured Self Visa® Credit Card¶ with a Credit Builder Account‡
- No credit check required
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

BUILD CREDIT WITH EVEN MORE PAYMENTS BY REPORTING YOUR BILLS
- Build credit with cell phone, water, electricity, and gas payments for $6.95/mo.
- Add up to 5 payments to your credit each month
- Credit monitoring by TransUnion
- Identity theft insurance up to $1 million
- Cancel any time

TAKE YOUR CREDIT SCORE TO A NEW LEVEL
People with Self Credit Builder Accounts who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.¹

EXPAND YOUR CREDIT BUILDING TOOLKIT
You pick your path to better credit. Along your credit building journey, you may unlock new offers, products, and ways to save money. When you do, Self will let you know.

ACCESS THE SELF VISA® CREDIT CARD
Card eligibility requirements include a Credit Builder Account‡ in good standing, 3 on-time payments, $100 or more in savings progress, and satisfying income requirements. Requirements are subject to change.

* See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

† Credit scores will only be available to customers our 3rd party vendor is able to validate.

‡ Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., SouthState Bank, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.

§ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or Self.inc for current pricing.

‖ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

¶ The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender or SouthState Bank, N.A., Member FDIC, Equal Housing Lender. See Self.inc for details.

¹ Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.

² Results vary. Not all payments are eligible. Not all lenders use scores impacted by rent payments. See Self.inc for details.