Welcome to Self, your credit building toolbox. Build credit, track your credit score, unlock a credit card, and more.

With the Self credit app, you’ll have everything you might need to build credit. Low credit score or no credit score — get started today. At Self, all credit scores are welcome.

BUILD CREDIT REPORT YOUR RENT PAYMENTS
- Build credit with all 3 major credit bureaus — Equifax, Experian, and TransUnion
- No extra cost — included with the Self app
- No credit score needed
- No hard pull
- Establish positive payment history — the #1 factor to build credit*
- Monitor credit score with VantageScore 3.0†

GROW YOUR CREDIT & SAVINGS WITH THE CREDIT BUILDER ACCOUNT‡
- Plans start at $25/month§
- Unlock your savings at the end — minus interest and fees‖
- No credit score required
- No hard credit inquiry

UNLOCK THE CREDIT CARD FOR CREDIT BUILDERS
- Work toward a secured Self Visa® Credit Card¶ with a Credit Builder Account‡
- Control your credit limit
- Build credit with all 3 credit bureaus
- Use everywhere Visa is accepted in the US

BUILD CREDIT WITH EVEN MORE PAYMENTS BY REPORTING YOUR BILLS
- Build credit with cell phone, water, electricity, and gas payments
- Add up to 5 payments to your credit each month
- $6.95/mo.
- Cancel any time

TAKE YOUR CREDIT SCORE TO A NEW LEVEL
Self customers who start with a credit score under 600 and make on-time payments lift their credit scores by 49 points, on average.¹

EXPAND YOUR CREDIT BUILDING TOOLKIT
With Self, you get to pick your path to better credit. During your credit building journey, you may unlock new offers, products, and ways to save money. When you do, Self will let you know.

ACCESS THE SELF VISA® CREDIT CARD
Card eligibility requirements include a Credit Builder Account‡ in good standing, 3 on-time payments, $100 or more in savings progress, and satisfying income requirements. Requirements are subject to change.

* See https://www.ficoscore.com/education#WhatYour FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

† Credit scores will only be available to customers our 3rd party vendor is able to validate.

‡ All Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A. First Century Bank, N.A.or SouthState Bank, N.A. Members FDIC. Subject to ID Verification, credit review and approval. Must be U.S. Citizen, permanent resident, or non-resident U.S. Alien, at least 18, and bank account required.

§ Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.97%. Sample products are $25 monthly loan payment at a $520 loan amount with a $9 administration fee, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self mobile app or www.Self.inc for current pricing.

‖ Minus fees & interest. Individual results may vary and are not guaranteed. Improvement in your credit score is dependent on your specific situation & financial behavior. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus which may negatively impact your credit score. This product will not remove negative credit history from your credit report.

¶ The Self Visa® Credit Card is issued by Lead Bank, First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. See Self.inc for details.

¹ Average outcome for customers who opened a 12 month Credit Builder account in Q1 2021, starting VantageScore 3.0 under 600, who made on-time payments. Other factors, including activity with other creditors, may impact results. On-time payments does not mean full program completion and past performance based on study does not guarantee future results. Credit score increase not guaranteed.