Easy Account Creation

Self. Review 17 Reviews

Establish positive payment history with all 3 credit bureaus. No credit check. No hard pull. Join 1 million credit builders today and unlock a Secured Credit Card after meeting eligibility criteria!

Easy Account Creation
Why we love it
Self is a great way to build credit history with minimal commitment, no credit checks. You’ll also build savings while doing it!
Dror Liebenthal, CEO at Bold.org
Dror Liebenthal, CEO at Bold.org

What Students Say

17 reviews

Never got my money back

You can for sure build your credit but I never received my deposit back as promised. Instead they applied it to fees

Build Credit While You Borrow

Self Loan is a loan product that allows you to build credit while you borrow. You make regular payments into a savings account that serves as collateral, and the payments are reported to credit bureaus. It may be a good option for those looking to build credit, but make sure to understand the terms and fees.

Can Be a Good Way to Build Credit

It can be a good way to build credit if you really don't have any. It is a good way to get in the habit of paying off a loan in a specified amount of time. Still, you do lose out on a bit of money.

Good idea, but fee-heavily

This is a good idea in theory, but there are fees that can quickly add up. It's probably a better idea to start building credit another way.

My guide to financial freedom

I can say from experience that this app has changed the way I see my credit score. I also have more knowledge about utilization of credit with my credit card.

Credit Site

Not the best option. There are lots of free credit sites available and so this would not be my go to one since it has a fee. The site itself is good, but the fee makes it a poor choice in my opinion.


Self seems like a great option to manage/build your credit score; however, there is a catch. After putting all your information in, you are asked to create an account by paying a $9 non-refundable fee, and then you have to pay $25 a month for 24 months. At the end of those 24 months, you will receive $520; but this is less than you would have actually invested. If you are okay with this to build your credit score, definitely go for it! Otherwise, I would recommend getting a student credit card to build your credit score (and make sure to pay it off on time!). I have had one for almost one year, and my credit score has risen a noticeable amount!

Helps my credit!

It really helps keep me in line and it's really informative!

Not Best Option for Students

I would recommend for students to look into obtaining a student credit card or secured credit card to build credit. However, if that does not work out or you do not have any student loans on which to make regular payments, Self could be helpful. If you choose the cheapest plan of paying $25 a month for two years, you lose out on $80, since you get $520 back, plus the initial $9 fee. If you can get a student credit card (even with little income), you can gain money through on-time payments and cash back.

Credit Builder

Is your credit score lower than you like? Or are you just starting to build credit? If either of those cases applies to you, Self is the right place for you. It gives you the chance to build your credit score, or even boost it. You don't need to have a credit score to start off in the first place. Thank you Self for being so accommodating!
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