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.
3,736 Verified Customer Reviews
3,736 Customer Ratings and Reviews
Shopper Approved collects trusted reviews from customers who have made a verified purchase.
4.7
Overall Star
Rating
5-star 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.
05/05/2020 , ME
self is an amazing company, i was trying to figure out how to build my credit and with self's structure i get to build my credit history while basically saving money for a year
Why Choose?
i get to save some money though out the year and doing so helps boost my credit score
05/05/2020 , CA
I had a credit score of over 740 before joining Self. I joined because I liked the idea of adding another line of credit without getting a credit check. I'm in the process of buying a home and I'm wanting to show a wide array of credit. I make $500,000 a year.
I signed up for the secured load you all do and started with automatic payments. Then I get an offer for a pre-paid credit card. I sign up for that, but don't spend any money on it. Again, I'm only doing this to add credit lines to my report.
I then get a fee or penalty on the card, having never used it. I guess the see was for not using the card? Regardless, I had no idea I owed anything since I never spent any money on the credit card.
(I have 4 other credit cards, and am familiar with how they work)
A few months later, I check my credit, only to find out that I've now got a 30 day late payment notice on my credit because I didn't pay the Self credit card fee for $20, that I wasn't even aware of.
I've never missed a payment on anything before this, and have spotless credit.
When I contacted customer service, they just said "Yes, you missed a payment. It goes on your credit." Now my score dropped 100 points because I missed a $20 payment that I wasn't aware of, and have plenty of money to pay.
I would like to request Self please send a letter to the credit bureaus to have this late payment removed as a mistake from my credit.
Why Choose?
I choose self to help build my credit, and you guys tanked my credit score by over 100 points.
05/05/2020
It was awesome!
Why Choose?
to help my credit
05/04/2020 , NM
I saw self on a credit karma add. Thought what the hey I'll give it a try. Within 3 months I was able to be approved for a credit card. Low balance but i was stoked. I actually referred my parents. Tho they didn't use my link :(
Why Choose?
Because it was everywhere so I thought I’d try it.
05/04/2020 , TX
Its been OK. No issues.
Why Choose?
I am trying to re build my credit so that I can buy a home.
05/04/2020 , NY
Self has been a wonderful tool in helping me to establish a credit score! I started off at absolute zero and in under two years, I am now at 680 and it's still climbing! I'm so pleased with self! I would highly recommend to anyone!
Why Choose?
I found self by chance and I'm so glad I decided to try it!
05/04/2020
It was great
Why Choose?
Needed to build my credit to support my family
05/04/2020 , SC
I found that this app was very easy to use and I found it to be very helpful with getting my credit back on track.
Why Choose?
I needed a method to get my credit back on track, that would be manageable.
05/04/2020 , WI
Ok, so my credit has tanked over the last few years. I saw Self.inc and thought, well... it can't exactly hurt me any more than I already am. Guys, my credit has gone up exponentially over the last 6 months. I talked my brother into giving it a go as well. I should have done this sooner. And I love that I have a rainy day fund that I cannot touch for a year. I have always wanted to save and this forces me to not only save but give my credit a swift kick in the rear. I tell everyone about SelfLender and how effortless the sign up and monthly process is. You will not regret this decision!
Why Choose?
My credit had tanked due to many reasons and I figured, "hey... the reviews seem legit and I cant exactly get any worse."
05/04/2020 , NC
I am very pleased with self and love how much it's helped me build my score
Why Choose?
To help rebuild my score
05/04/2020 , GA
Nice..
Why Choose?
To bluid credit..
05/04/2020 , TX
I love the Self app, it has help me tremendously to increase my credit score by 100 points! I was also able to get my first credit card from Self and it is helping with my credit as well,I would definitely recommend self to anyone who wants to increase there credit score
Why Choose?
Low credit score
05/04/2020 , MD
I'll do it again. Easy! Affordable and reliable customer service!
Why Choose?
Because I’m building my life and they were easy to obtain!
05/04/2020 , MI
It was good and helped my credit score
Why Choose?
To build my credit
05/04/2020 , OH
I'd like to make recurring payments other than the minimum but cannot figure it out in the app
Why Choose?
Fast return
05/03/2020 , LA
I am happy with my overall experience from self. I was thrilled to find out only 6 months in that they offered me a credit card to also help build my credit! My score has improved 96 points in 1 year and I'm excited to see where my credit stands when I complete the program in April 2021.
Why Choose?
Because it offered me an opportunity to repair my credit over time when I couldn’t even get a secured credit card.
05/03/2020 , IL
Truly a very great program great customer service and support and advice
Why Choose?
To build my credit score to buy my home
05/03/2020 , NJ
They helped me with my problem.
Why Choose?
I read the reviews and that's why I choose self. Also my score went up alot.
05/03/2020 , ID
I love self they have helped me improve my credit over 100 points in like 4 months love them
Why Choose?
They had a great review
05/03/2020 , SC
I appreciate this tool to help raise my credit score as well to obtain a secure card to show credit stability and worthiness again
Why Choose?
It made sense for my situation
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