Self - Build Credit & Savings

Name: Self - Build Credit & Savings
Rating: 4.86563 (191651 reviews)

Finance

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Self - Build Credit & Savings

Finance

4.9

191.7K ratings

Age Rating

Seller

Self Lender, Inc.

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User Reviews for Self - Build Credit & Savings

So happy to build my credit

A couple of years ago I got injured. Lost my job without getting fired and I’m still technically on CVS’ payroll system because they send me checks whenever there is a lawsuit against them. I have alerted their team as well as my old store manager of this several times. I’m still on it, whatever I don’t care. I’m just happy that after I had to max out all of my credit cards until I got another steady job a year later. I am now back up to 534 (which isn’t great but) after the pandemic hit it made it harder. Self has been helping tremendously, that 534 is coming back up from 289... I was disgusted seeing that after getting my score up to 702 at 20 years old. 289 at 23 and now 534 at 25. Thank you self, thank you for reading this if you did. I hope it helps you as much as it has helped me. I can’t wait to get the loan at the end of the term. It’s honestly kind of like getting a tax return when you think about it while boosting your credit. There’s no drawback. Even if you think about it in a negative way, your paying into boosting your credit and getting 95% of your money back? What’s negative again? By the way. It also has APR/APY. So at the end of the term you get more money than what you put in. I just noticed this. It started out at $1663 it now has more in it.

BigBewtyHoooooooo's, Feb 06, 2021

Very happy

Like so many others, I’m working on rebuilding my credit. I was looking for a small personal loan with a half decent interest rate and just couldn’t find what I was looking for. I didn’t need the money for anything I just wanted to establish a new good standing credit line with short terms and affordable payments. Then I stumbled across this company and I was sold. You can pick from several options for how much you want the “loan” to be for, how long you want it for and how much you can pay monthly toward it. This is not a standard loan mind you. It is a self funded loan, meaning you pay into it the loaned amount you picked, the company takes the amount agreed on and places it in a CD account. When you finish paying the amount off, they release the funds agreed on and keep the interest that was earned as their cut of the loan instead of traditional loan interest changes that pile onto your payment monthly. For someone like me that doesn’t need the money up front for something and can afford a payment each month just for the purpose of establishing a new good standing mark on their credit, this is it. Hope this helps explain what this is and who it could benefit!

Black_widow85, Jun 30, 2021

0-100 real quick lol

I started off with nothing no credit never owned a credit card but somehow I guess bc of that I started with a 527. I was just like “dude I’m not doing this it’s gonna take too long” my fiancé who has passed away but he was the one who forced me to download SELF. So he was showing me the ropes and within 3 months of paying ON TIME and I have it set up to automatic payments so I don’t forget but I was so excited I saw 590. But I wanted that 6. Sure enough about 3 months later of continual making my payments without doing it bc I have it set to take $25 out automatically every month and I had a 647!!!! When he passed away in September I wanted to throw it away but why? He helped me build my credit and I am in debt to him forever. After 6 months of not looking I check it today just to see what would happen after getting increases and paying them off. I have a 704!!!!! I wish I could post pictures on here but I wouldn’t recommend anything but SELF if you are a beginner. I have capital ones sending me cards now saying I’m approved for car loans like every other freaking day, mastercards, everything. But I just want to say thank you Matt!!!! 😇 up above and a thank you to SELF for helping my credit score grow so much 🖤 thank you guys. All they want to see is CONSISTENCY!!!

ChayChay89, Apr 25, 2021

Happy customer

At one point in time i had a 388 credit score. Did a lot of research over the years and made some great credit decisions to bring me back over 640. One of those decisions was using Self. Don’t get me wrong, it’s still a bill to be paid, but the opportunity it brings is entirely worth it in my opinion depending on your circumstances. With auto pay set up it’s basically a waiting game, and once you’re able to get a credit card then the real fun begins. Sticking to the advice delivered by the app while applying my own personal advice which is to use 30% of the credit card for gas and other things i was already paying for helped me get where I needed to be. Just remember, this is a tool not a house. If you’re trying to climb out from the horrors of bad credit, you need a plan not some random app you think will help, you need to do research and follow a path. From there, i definitely recommend making self a part of the plan. So far it has been 10 months with self and i can say Self is responsible for at least 100 points of my credit score growth. To anyone joining the journey, and those still going through it, I pray you find a way.

dbeezybaby, Nov 04, 2021

Tbh it’s a scam

Long story short I didn’t have my credit builder account for long. I ended up coming across hard times and couldn’t make any payments. So my account got closed. I was told when my account was closed there any fees would be calculated and then I would be sent back whatever I owed. Over a month went by and nobody said anything. So I contacted them myself and then they told me my account was to be held until maturity date. So I called back again because that was incorrect and my account should’ve been closed. I had been calling them for over a month and when I finally got in contact with them they told me not only was I not getting any money back but that I owed them money. So pretty much I just wasted money doing business with these people and wasted time because I kept getting lied to and they kept putting things off. And then had the nerve to ask me if I would like to re-open another loan with them? Absolutely not!I’m beyond livid at the lack of communication that they provide. If I had been told at the time of closing my account that I wasn’t gonna get anything back then I would’ve been OK with that. But over a month went by with them telling me that they would send me whatever I was old and they never sent it to me. I had to be the one to call to find out that I wasn’t getting any money back. Not to mention my credit score didn’t go up much to begin with so it wasn’t really worth it

Lunar hime, Jun 09, 2022

Changed my life

I don’t typically write reviews, but I thought this would help someone on the fence about this app! This has been one of the best decisions I’ve made as a 26yo rebuilding my credit! Not being responsible in my 20s, I looked up my score and had an embarrassing score of 467. I looked up what to do because I felt so discouraged. I decided to give SELF a try not having anything to lose, and I’m so glad I did! I started out with a score of 467 to now my score is 684 after just 8 months!!!! I’m almost to the 700s and I’m so thankful and happy!!!🙏🏼 I’ll be able to get a great car payment, house and self has defiantly helped me on my journey!!! I felt so hopeless 8 months ago. *just a tip on building credit* I also looked at my credit report and handled collections and got them removed! Got stuff settled! I suggest in also building your credit to look at your credit report and sort through all the bad stuff that’s weighing it down! But this app has helped me build a great credit history these past 8 months & I can only imagine a year! I also got approved for the credit card and made small purchases on it and immediately payed it off to just show I’m responsible! Just a tip that helps so much!!! This app makes it so easy to pay off what you’ve spent on your credit card. My score jumps up all the time now! Can’t wait to make it to the 700s!!! Download this app to help you on your credit journey it’s the best app to do so! Hope this helps, and good luck! ❤️

MamaaWarrior4, Feb 22, 2021

Great for building credit

At the time of writing i’m 23 and had gotten a $500 card my sophomore year of college (O was 19). As you’d guess, I, like an idiot, maxed it out and walked away. Fast forward 3 years and I rent a house from my dad with some buddies (so no positive credit built there), my truck is in his name even though I pay for it, and i’ve been graduated out with my degree and working a “big boy job” for 6 months now. In 3 (2 payments so far) months, Self + a $200 secured credit card have boosted my score from a 560 to a 670. Worth it ALL. DANG. DAY. I’m very happy I stumbled upon their app through social media or something kind of random. After my 3rd successful payment ($100 or more total) I can get a regular non-secured $500 card through Self (not to mention wherever else now that my credit’s improved!) and i’m very excited to be moving up. I chose to pay ~$40 /mo to get $500 paid to me in a year. Self’s fees are like $40 or $50 and for the boost i’ve received so far it’s been incredibly worth it. I don’t usually write these kinds of reviews but I hope it’s helpful to anyone out there trying to build their credit. It is worth noting I didn’t have a ton of bad credit marks against me, just that $500 card I walked away from in college. I would also expect some sort of plateau soon, but so far the jump has been huge. I’m 100% planning on buying a new truck in 9 months and i’m betting the only reason i’d have been approved was because of Self 😂 Best of luck, y’all

Noblecreature, Jul 22, 2020

Really good for young people

So I made the mistake of trying to buy vehicles without any credit. One company only did one hard inquiry and another really messed up. The did 7 hard inquiries. 7. My credit was looking low. I had a credit card but only for about 3 or 4 months and it was always paid off on time but it was just so slow building my credit. I started looking up ways to build it and self popped up. I was skeptical about it at first because you know, I don’t like giving out personal info to an app. And I wasn’t really sure if it even worked. After research and reading hundreds of reviews I decided to go ahead and download the app. I make decent money for being 18(well 19 now) so I went with the most expensive one they had. Yes. The interest is high but it’s not that noticeable. Your credit will go down because you opened a new line but give it 2-3 months. My credit has shot up probably 30-40 points. Do not do this if you aren’t sure if you can afford to make payments. I knew I could. If you make your payments on time (I have mine on autopay) then you will see the results happen so quickly. 10/10 will recommend this app for new credit builders.

Ray dude29, Aug 06, 2020

So far I’m impressed

I’ve been using this app since September of 2020 (now April of ‘21) and even despite being late more than once, a couple times much later than I would’ve liked 😒 still my credit score has legit improved by at least 20 points. Considering my lack of credit, along with the few things on my credit report being pretty much all bad, that’s so much better than I could’ve done on my own. Now the app shows that I’m eligible for a self credit card, which, After doing some research about, I’ll probably be getting pretty soon. A secured credit card that they already determined I’m eligible for since they set the requirements and then monitor my account to know when I meet them. So no hard check into my credit and no deposit to open the account since it’s based on what I’ve already paid into my loan with them. So I get the loan back in about a year and a half, and in the mean time I can have a credit card secured by the money I’m already saving anyway? AND it’s actively reporting all of this so that it builds my credit real time and I get to see the benefit from it all right away? Hopefully I don’t end up feeling the need to come back and edit this review, but so far there’s really not any downsides, just make sure You set a payment amount you can keep up with, obviously the more the better for your credit, but not if you can’t pay it once you get it going, so keep it within reason for your income. I really do love it so far.

RedPDX3, Apr 17, 2021

An actual miracle

I was super intrigued when I first heard about Self and I waited a few months before pulling the trigger. Well I wish I would’ve done it sooner!! Within a month my score went from 487 to 581. After that I applied for a totally separate secured card through a different bank and got approved. Mind you, my credit was so bad with derogatory marks that I couldn’t even get approved for a SECURED card before all this. (Don’t judge me lol) Anyway since I opened the secured card my score went up another 46 points!! So altogether, in just over a month, my credit score went from a 487 to 627 and it all started with Self. I am so grateful for the opportunity to rebuild after the mistakes I made in the past. I truly thought I was screwed for life and now for the first time in a long time I feel hopeful that I can get back on track if I keep working at it. All that said, I realize everyone’s results will vary and that for some people it may take more time to see that big of a jump. I still think it’d be worth it, worst case you see a small increase in your score and then get a nice savings coming back to you at the end! So my advice: if you’re on the fence just go for it, you’ll wish you had done it sooner!

Torinatorxx, Aug 09, 2020

Description

You checked your credit report, but feel like your credit score is stuck in a rut. Good news! Your credit score isn’t set in stone.

The Self credit app is a way to build credit history while building savings*. Build credit with Self, even with a low credit score (or none)! Start with the Self Credit Builder Account. - No credit history needed - Includes credit score monitoring (VantageScore 3.0)** - Reports to all 3 credit bureaus (Experian, Equifax, Transunion) - Plans start at $25/month*** - Pay off over 12 or 24 months - Your principal is safe in a bank account**** - On-time payments are good for your credit report - At the end, get back the savings (minus interest and fees)* Continue with the Self Visa® Credit Card, a secured credit card designed for building credit. - Reports to all 3 credit bureaus - Build the deposit over time from your Credit Builder Account - Adds a second type of credit to your credit report - Includes credit usage monitoring and alerts - Use it everywhere Visa is accepted in the US NO HARD CREDIT PULL***** Self does not do a “hard pull” credit check when you create an account. In fact, no credit score is required! ACCESS THE SELF VISA CREDIT CARD Have an active Credit Builder Account in good standing, make at least 3 Credit Builder Account monthly payments in full and have $100 or more in savings progress and you could get access to a secured credit card. BE A BUILDER Whether your goal is to get a credit card, a loan to buy a car or house, a good FICO® score can help. According to FICO, building payment history has the biggest impact on your credit score******. WHY PEOPLE LOVE SELF Over 1 million people have used Self’s Credit Builder Account to build credit and save more than $500 million. “Because of Self I’ve been able to buy a house, refinance my car, and my credit went from a 492 when I started to a 735 in less than 18 months.” - customer Christian O. Individual results may vary. SECURE ACCOUNTS All accounts use two-factor authentication, 256-bit encryption, and fraud detection to protect your money and private information. TERMS When you download and use Self, you agree to the Terms of Service at: https://www.self.inc/terms-of-service PRIVACY POLICY You may review Self’s privacy policy at: https://www.self.inc/privacy-policy *Savings are minus fees and interest. Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Failure to make monthly minimum payments by the payment due date each month may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report. **Credit scores will only be available to customers who our third-party vendor is able to validate. ***Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% Annual Percentage Rate; $150 monthly loan payment at a $1663 loan amount with a $9 administration fee, 12 month term and 15.91% Annual Percentage Rate. Please check the pricing page in the Self mobile app or www.self.inc for current pricing. ****Credit Builder Account — proceeds are held in a deposit account until maturity *****All loans are subject to ID verification. ******See FICO score factors: https://www.myfico.com/credit-education/whats-in-your-credit-score All Credit Builder Accounts are issued by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender. Subject to ID Verification. Individual borrowers must be a U.S. Citizen or permanent resident and at least 18 years old. Valid bank account and Social Security Number are required. All loans are subject to ID verification. All loans subject to approval. The Self Visa® Credit Card is issued by Lead Bank, Member FDIC, Equal Housing Lender.