Self - Credit Builder
by Self Lender, Inc.
App Store
Finance
Free
4.9
Rating
281,943
Reviews
-
Downloads
26
Views
Description
Self is your customizable credit toolkit. Build credit, track your credit score, apply for 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.
THE SECURED CARD WITH NO CREDIT CHECK
- Add the secured Self Visa® Credit Card* to your toolkit
- No credit check required
- High approval rates
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US
BUILD CREDIT & SAVINGS TOGETHER
- Lift your credit score by 47 points, on average‡
- 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
REPORT YOUR RENT PAYMENTS AT NO EXTRA COST
- Increase your credit score at no cost‖
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- No credit card required
- Establish positive payment history — credit’s #1 factor¶
- Track credit score with VantageScore 3.0¹
- Self’s fastest way to build credit²
GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE
- Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Cancel any time
DISCLOSURES
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval.
‡Based on a 2024 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2023 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time.
§Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing.
‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details.
¶See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
¹Credit scores only available to customers our 3rd party vendor is able to validate.
²Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report.
³Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702
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.
THE SECURED CARD WITH NO CREDIT CHECK
- Add the secured Self Visa® Credit Card* to your toolkit
- No credit check required
- High approval rates
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US
BUILD CREDIT & SAVINGS TOGETHER
- Lift your credit score by 47 points, on average‡
- 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
REPORT YOUR RENT PAYMENTS AT NO EXTRA COST
- Increase your credit score at no cost‖
- Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion
- No hard pull, no credit check
- No credit card required
- Establish positive payment history — credit’s #1 factor¶
- Track credit score with VantageScore 3.0¹
- Self’s fastest way to build credit²
GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE
- Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³
- Add up to 5 payments to your TransUnion credit report each month
- Credit monitoring by TransUnion
- Cancel any time
DISCLOSURES
*The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval.
‡Based on a 2024 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2023 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time.
§Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing.
‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details.
¶See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.
¹Credit scores only available to customers our 3rd party vendor is able to validate.
²Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report.
³Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion.
Self Financial, Inc. 901 E 6th Street Suite 400, Austin, TX 78702
Expert Review & Analysis
## Self - Credit Builder App Review
The Self app is a comprehensive credit-building tool designed to help users establish or improve their credit scores. Its primary function is to provide multiple avenues for credit score improvement, combining secured credit card options with various reporting services for rent and utility payments. The app acts as a central hub for managing these services and tracking credit score progress.
1. What the App Does: The Self app offers a suite of interconnected credit-building services. Its core functions include:
* Secured Credit Card Issuance: Provides a secured Visa credit card requiring no credit check, allowing users with poor or no credit history to begin building credit responsibly.
* Credit Builder Account: This service involves depositing funds into a savings account, which is then reported to credit bureaus as a loan. Successful repayment builds credit.
* Rent & Utility Payment Reporting: Allows users to report their on-time rent and utility payments to credit bureaus, boosting their credit score by demonstrating consistent financial responsibility.
* Credit Score Tracking: Provides users with regular updates on their VantageScore 3.0, allowing them to monitor their progress.
2. Key Features:
* Multiple Credit-Building Avenues: The app's strength lies in its multifaceted approach. Users aren't limited to a single method; they can combine the secured card, credit builder account, and payment reporting for maximum impact.
* No Credit Check Required (for some services): This is a major advantage for individuals with poor or no credit history, providing an accessible entry point to credit building.
* Transparency and Control: The app clearly outlines fees and interest rates, giving users complete control over their finances.
* Convenience: Managing multiple credit-building activities through a single app simplifies the process considerably.
* High Approval Rates (for the secured card): The app boasts high approval rates for its secured credit card, making it accessible to a wider range of users.
3. Use Cases:
The Self app is particularly useful for:
* Individuals with no credit history: Provides a pathway to establish credit from scratch.
* Individuals with poor credit scores: Offers a chance to rebuild credit through responsible financial behavior.
* Renters seeking to improve their credit profile: Allows them to leverage their consistent rent payments to boost their credit score.
* Those seeking a convenient way to manage multiple credit-building activities: Centralizes the process, simplifying tracking and management.
4. Target Audience:
The Self app is ideally suited for young adults, recent immigrants, or anyone lacking a robust credit history. It's also beneficial for individuals seeking a convenient and transparent way to improve their existing credit score. The app's accessibility makes it a valuable resource for a broad range of users aiming for better financial health.
5. Overall Assessment:
The Self app receives a high rating (4.9/5) for good reason. Its comprehensive approach to credit building, coupled with its user-friendly interface and accessibility, makes it a powerful tool for improving financial well-being. The transparency regarding fees and interest rates is commendable. However, potential users should carefully review the terms and conditions and understand the associated costs before committing to any of the services. The app's success hinges on consistent and responsible use; simply downloading the app won't magically improve credit scores. Overall, the Self app represents a valuable and effective resource for those striving to build or improve their credit.
The Self app is a comprehensive credit-building tool designed to help users establish or improve their credit scores. Its primary function is to provide multiple avenues for credit score improvement, combining secured credit card options with various reporting services for rent and utility payments. The app acts as a central hub for managing these services and tracking credit score progress.
1. What the App Does: The Self app offers a suite of interconnected credit-building services. Its core functions include:
* Secured Credit Card Issuance: Provides a secured Visa credit card requiring no credit check, allowing users with poor or no credit history to begin building credit responsibly.
* Credit Builder Account: This service involves depositing funds into a savings account, which is then reported to credit bureaus as a loan. Successful repayment builds credit.
* Rent & Utility Payment Reporting: Allows users to report their on-time rent and utility payments to credit bureaus, boosting their credit score by demonstrating consistent financial responsibility.
* Credit Score Tracking: Provides users with regular updates on their VantageScore 3.0, allowing them to monitor their progress.
2. Key Features:
* Multiple Credit-Building Avenues: The app's strength lies in its multifaceted approach. Users aren't limited to a single method; they can combine the secured card, credit builder account, and payment reporting for maximum impact.
* No Credit Check Required (for some services): This is a major advantage for individuals with poor or no credit history, providing an accessible entry point to credit building.
* Transparency and Control: The app clearly outlines fees and interest rates, giving users complete control over their finances.
* Convenience: Managing multiple credit-building activities through a single app simplifies the process considerably.
* High Approval Rates (for the secured card): The app boasts high approval rates for its secured credit card, making it accessible to a wider range of users.
3. Use Cases:
The Self app is particularly useful for:
* Individuals with no credit history: Provides a pathway to establish credit from scratch.
* Individuals with poor credit scores: Offers a chance to rebuild credit through responsible financial behavior.
* Renters seeking to improve their credit profile: Allows them to leverage their consistent rent payments to boost their credit score.
* Those seeking a convenient way to manage multiple credit-building activities: Centralizes the process, simplifying tracking and management.
4. Target Audience:
The Self app is ideally suited for young adults, recent immigrants, or anyone lacking a robust credit history. It's also beneficial for individuals seeking a convenient and transparent way to improve their existing credit score. The app's accessibility makes it a valuable resource for a broad range of users aiming for better financial health.
5. Overall Assessment:
The Self app receives a high rating (4.9/5) for good reason. Its comprehensive approach to credit building, coupled with its user-friendly interface and accessibility, makes it a powerful tool for improving financial well-being. The transparency regarding fees and interest rates is commendable. However, potential users should carefully review the terms and conditions and understand the associated costs before committing to any of the services. The app's success hinges on consistent and responsible use; simply downloading the app won't magically improve credit scores. Overall, the Self app represents a valuable and effective resource for those striving to build or improve their credit.
Screenshots
App Information
Updated
2018-03-30
Content Rating
4+
Contains Ads
No
Developer
Self Lender, Inc.
Price
$0.00
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