Easy Account Creation

Self. Review 21 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


4.2
21 reviews

better than CK.

Totally accurate listings, plus i love that they help you apply for new ones you never would've thought might help you.

Self is the first credit builder is started with.

It's easy and the incentives of self are very nice.

Decent credit builder

Self Loan is a type of loan that lets you borrow money and yet establish credit. Regular payments are made to a collateralized savings account, and credit bureaus are notified of these payments. For people trying to establish credit, it could be a decent choice, but be careful to read the conditions and costs.

It does work!

My identity was stolen and I didn't find out until it was too late to combat it. I hardly had any history of my own at the time--almost everything came from the thief--but my credit score looked obviously unhappy. I came to Self as a way to establish history and start building my credit score back up--and it really did help my score climb a fair few points! I wouldn't recommend it if you already have good credit, as there are some fees involved that are not exactly ideal. But if you need a way to get your history built, this is a great one!

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.
10 / 21 reviews shown
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