Self - Credit Builder Account + Secured Visa^® Credit Card

Self is helping thousands of people begin their financial journey with a credit builder account. Our flagship product, the credit builder account, is a CD backed loan. The consumer makes small monthly payments over a 12-24 month period. At the end of the loan period, the customer unlocks their CD balance, walking away with cash. During the life of the loan Self is reporting to the 3 major credit bureaus. Customers are building credit while they build savings.

Who is Self good for?

Users with a thin credit profile. These unscored users typically struggle to get a traditional credit card or other financial product due to their lack of history. Self provides a path for users that are new to credit to build a score.
Users with bad credit. Self has helped over 50,000 users build their credit with a low risk, low cost product that reports to all 3 credit bureaus each month.
Users that need to increase their credit mix. Credit mix accounts for 15% of a consumer's credit profile. If the consumer doesn't carry any installment loans on their report, Self is a path to improve credit mix.
Consumers that need help budgeting for a house or auto loan. If your site visitors need help budgeting for a mortgage or auto loan payment, Self can help. With structured monthly payments, consumers can emulate a monthly payment while helping build their credit. At the close of the loan, the consumer will have cash in hand for a down payment.

Apply Now: Intro No Annual Fee with the secured Self Visa^® Credit Card^

If you have an active Credit Builder Account, $100 or more in savings progress and satisfying income requirements you may be eligible to receive the secured Self Visa^® Credit Card*, without a hard credit check. Criteria subject to change.
Build credit and savings at the same time.

Start with a Credit Builder Account* that reports monthly payments to all 3 major credit bureaus.

At the end of your plan, unlock the savings you built - minus interest and fees.
The secured Self Visa^® Credit Card is accepted at millions of locations in the U.S.

*Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval. The secured Self Visa^® Credit Card is issued by Lead Bank or First Century Bank, N.A., each Member FDIC. See Self.inc for details. 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 consumer report review and approval. The Secured Self Visa^® Credit Card requires an active Self Credit Builder Account and qualification based on other eligibility criteria including income & expense requirements. Criteria subject to change.

^$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.49% as of 1/1/2026. Offer valid for new customers only.