Hi. We're Self. We're here to help you build credit and savings and reach your financial goals.

It all started with some missed payments. CEO James Garvey founded Self in 2015 after making a mistake with automatic payments on his credit card. By the time he caught it, his credit score had tanked. In searching for a way to rebuild his credit, he saw some of the challenges faced by the more than 100 million Americans with low or no credit.

"To get credit, you need to have credit. It's a catch-22, and the system is set up against you," James says. So he created a solution that works regardless of your credit history.

Instead of dwelling on scores, we focus on what you aspire toward. Whether it’s being a Home Builder, a Queen Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.

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3,740 Verified Customer Reviews

3,740 Customer Ratings and Reviews

Shopper Approved collects trusted reviews from customers who have made a verified purchase.

4.7

Overall Star
Rating

5 Shopper Approved - Review Star
3132
(83.7%)
4 Shopper Approved - Review Star
277
(7.4%)
3 Shopper Approved - Review Star
128
(3.4%)
2 Shopper Approved - Review Star
85
(2.3%)
1 Shopper Approved - Review Star
118
(3.2%)

Customer Service
4.2
5 Shopper Approved - Review Star
663
4 Shopper Approved - Review Star
89
3 Shopper Approved - Review Star
57
2 Shopper Approved - Review Star
41
1 Shopper Approved - Review Star
125
SHOW DETAILS

5-star reviews
3,000+

5-star reviews

8 years collecting reviews

About this Company

Hi. We're Self. We're here to help you build credit and savings and reach your financial goals.

It all started with some missed payments. CEO James Garvey founded Self in 2015 after making a mistake with automatic payments on his credit card. By the time he caught it, his credit score had tanked. In searching for a way to rebuild his credit, he saw some of the challenges faced by the more than 100 million Americans with low or no credit.

"To get credit, you need to have credit. It's a catch-22, and the system is set up against you," James says. So he created a solution that works regardless of your credit history.

Instead of dwelling on scores, we focus on what you aspire toward. Whether it’s being a Home Builder, a Queen Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.

Video Reviews

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J
Jamelia H.
1 day ago , OH

It has been a good experience other than I have been making payments early and they tend to take long time to show that I have actually made a payment

Customer Service
3/5

Why Choose?

I was referred by a friend


R
Ryan
1 day ago

It's helped build my credit as claimed when I set it up

Why Choose?

Build credit


D
DJB
2 days ago , GA

Great company. Very easy to understand

Why Choose?

To rebuild credit


L
L J.
4 days ago , MI

Great service. Helped build my credit to buy a home. Only problem I had was with customer service. I was on hold for 2hours. Never will call again. But the app is great!

Why Choose?

Credit building


A
Anonymous Customer
1 week ago , GA

Great services


S
Shannon
1 week ago , IN

It's been a great experience I've been with self for some years great thing to have.

Why Choose?

Cause I've had it before and it helped my credit.


A
Anonymous Customer
1 week ago

Love it


T
Tommy G.
1 week ago , NC

This app is great but there needs to be a option to carry your kids or spouse as a authorized user of your credit card

Why Choose?

To help build my credit


D
Devon J.
1 week ago , NC

Been nothing but perfect.

Customer Service
5/5

Why Choose?

Overall the reviews I read and the help it's given to so many others. I can personally say it's one of the best.


T
Tina M.
2 weeks ago , WV

I am liking it so far I just wish they would report more of my account

Why Choose?

To better my credit


R
Rodney
2 weeks ago , GA

Wonderful

Customer Service
5/5

Why Choose?

Referred


A
Concepcion guillen Hernández
2 weeks ago

It help get credit

Customer Service
5/5

Why Choose?

To make credit


C
Chad
3 weeks ago , MO

I think Self has given me a new lease on building my credit and teaching me how to use credit responsibly. Most people are not credit card people, myself included, but Self is teaching me how to be a responsible credit card person!

Why Choose?

To help build my credit.


M
MM82
4 weeks ago , AZ

I absolutely love the Self app. I also recommended it to my daughter when she was 18 and she completed the program after the year of saving the money. And that helped her credit score so much and helped her to get a regular unsecured card and was also able to just recently purchased a new vehicle, and it all started with the Self app.and this is the second time I have done this and I absolutely love it. It helped me on the way to fix my credit now for the second time.

Why Choose?

I chose self for the second time now because it’s easy to use and it really did help my credit score last time I used it.


M
Marcie J.
4 weeks ago , CA

N/a

Why Choose?

Looking like it was good idea


E
El H.
4 weeks ago , GA

Everything been great so far

Why Choose?

A friend of mine told me about it.


Q
Quannah
03/21/2024 , NY

feeling better about my credit future

Why Choose?

to help better my credit


V
Vincent R.
03/20/2024

It's cool

Why Choose?

To build credit


J
Jessie N.
03/18/2024 , TX

Help with too many fees

Customer Service
5/5

Why Choose?

Because of the easy use


C
Christopher
03/18/2024 , CA

Too many notifications.

Why Choose?

My brother suggested it


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