Self – Credit Builder & Cash
Self – Credit Builder & Cash
Download on App Store

This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.

Logo of Self – Credit Builder & Cash
Download on App Store

Self – Credit Builder & Cash

This app hands you the keys to financial control. It gives users the power to build credit and access quick cash, proving that financial stability isn't just for the privileged.

Key Figures

Downloads

7.5M+

User Rating

4.9/5

Total Ratings

286.4K

Publisher

Self Lender, Inc.

Category

Finance

Locales

1

Latest Version

7.6.0

Size

104.4 MB

First Released

Mar 30, 2018
Features

An Analytical Review for Credit-Building and Financial Wellness

Key Features of Self – Credit Builder & Cash

Accessible Credit Building

The app ensures high approval rates and requires no credit check for many of its core products, making credit-building tools accessible to individuals with limited or no credit history.

Credit Building & Savings Account

This tool enables users to simultaneously build credit history and accumulate savings through structured installment payments, with the savings unlocked at the end of the term.

Quick Cash Advances

It provides qualified users with rapid access to small cash advances for unexpected expenses, often with no credit check and quick processing.

FAQ

Frequently Asked Questions

Everything you need to know about Self – Credit Builder & Cash

What is the Self app?

Self is an app designed to help users build healthy financial habits by offering tools to build credit and grow savings. It also provides quick access to funds through Self Cash for unexpected expenses.

Can I get a cash advance with Self?

Yes, Self provides cash advances through its Self Cash feature. Users can qualify for up to $100, receive offers in under 5 minutes, and it requires no credit check or impacts your score.

Does the Self Visa Credit Card require a credit check?

No, the secured Self Visa® Credit Card does not require a credit check for approval. It offers high approval rates and facilitates credit building by reporting to all three major credit bureaus.

The following screenshots and description are sourced directly from the app's official store listing and are the property of the app developer.

App Store

Screenshots

Self – Credit Builder & Cash - The app's home screen provides a clear overview of the user's credit score progress and instant access to available Self Cash funds.

The app's home screen provides a clear overview of the user's credit score progress and instant access to available Self Cash funds.

Your Financial Dashboard

Self – Credit Builder & Cash - This tool presents a clear value proposition, showcasing 'Self Cash for fast, flexible funds' and its recognition in prominent publications like 'ESSENCE' and 'yahoo! finance'.

This tool presents a clear value proposition, showcasing 'Self Cash for fast, flexible funds' and its recognition in prominent publications like 'ESSENCE' and 'yahoo! finance'.

All-in-One Finance Hub

Self – Credit Builder & Cash - The app provides instant confirmation that 'Your $100 is on the way', clearly indicating the balance due date and repayment terms.

The app provides instant confirmation that 'Your $100 is on the way', clearly indicating the balance due date and repayment terms.

Quick Funds on Demand

Self – Credit Builder & Cash - This screen demonstrates the ease with which users can 'Start with rent reporting', directly integrating with major credit bureaus such as 'Experian' and 'TransUnion' to build credit.

This screen demonstrates the ease with which users can 'Start with rent reporting', directly integrating with major credit bureaus such as 'Experian' and 'TransUnion' to build credit.

Turn Rent into Credit

Self – Credit Builder & Cash - The Credit Builder Account view clearly shows the 'Savings after card deposit' and the overall '86% Complete' progress of the savings balance.

The Credit Builder Account view clearly shows the 'Savings after card deposit' and the overall '86% Complete' progress of the savings balance.

Credit Builder Account

Self – Credit Builder & Cash - This image visually represents the 'Secured Self Visa® Credit Card', highlighting its tangible presence and the sense of financial control it offers users.

This image visually represents the 'Secured Self Visa® Credit Card', highlighting its tangible presence and the sense of financial control it offers users.

Your Credit Card

Self – Credit Builder & Cash - The app provides a clear breakdown of the 'Self Visa® Credit Card', showcasing the ability to 'You set and control your spending limit' and the benefit of a '$0 intro annual fee'.

The app provides a clear breakdown of the 'Self Visa® Credit Card', showcasing the ability to 'You set and control your spending limit' and the benefit of a '$0 intro annual fee'.

Transparent Card Features

Self – Credit Builder & Cash - Users can effortlessly track their credit score progression through an interactive graph, accompanied by crucial 'Top score impacts' feedback to guide improvement.

Users can effortlessly track their credit score progression through an interactive graph, accompanied by crucial 'Top score impacts' feedback to guide improvement.

Monitor Your Progress

Description

Self helps you create healthy financial habits with tools to build credit and grow your savings. Or need funds fast? Self Cash gives you quick access to money for unexpected expenses. Whether you’re starting fresh or rebuilding, Self empowers your financial wellness and puts you in control. All credit scores are welcome. GET A CASH ADVANCE - Qualify for up to $100† - See offers in less than 5 minutes - No credit check, no impact to your score - No hidden fees, no monthly charges THE SECURED CARD WITH NO CREDIT CHECK - Add the secured Self Visa® Credit Card* to your toolkit - No credit check required - High approval rates - Control your credit limit - Build credit with all 3 credit bureaus - Use everywhere Visa is accepted in the US BUILD CREDIT & SAVINGS TOGETHER - Lift your credit score by 47 points, on average‡ - Plans start at $25/mo.§ - Unlock your savings at the end, minus interest and fees - No credit score req. - No credit check REPORT YOUR RENT PAYMENTS AT NO EXTRA COST - Increase your credit score at no cost‖ - Build credit with all 3 credit bureaus — Equifax, Experian, and TransUnion - No hard pull, no credit check - No credit card required - Establish positive payment history — credit score’s #1 factor¶ - Track credit score with VantageScore 3.0¹ - Self’s fastest way to build credit² GET THE CREDIT YOU DESERVE FOR CELL PHONE AND MORE - Build credit with cell phone, water, electricity, gas, and rent payments for $6.95/mo.³ - Add up to 5 payments to your TransUnion credit report each month - Credit monitoring by TransUnion - Cancel any time DISCLOSURES *The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A. each Member FDIC. Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. 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. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval. ‡Based on a 2025 TransUnion® study, customers who opened a 24 month Self Credit Builder Account in Q1 2024 with a starting VantageScore 3.0 under 600 and made on-time payments, saw an average VantageScore 3.0 increase of 47 by month 12. Results will vary, Self does not guarantee a score increase. Late/missed payments on other Self products and other credit obligations can lower scores even if Credit Builder Account payments are made on time. §Minimum and maximum repayment period for all loan products is 24 months. Maximum Annual Percentage Rate (APR) of all loan products is 15.92%. Sample products are $25 monthly loan payment at a $511 loan amount, 24 month term and 15.92% APR, Total Payments of $600; Check the pricing page in the Self app or Self.inc for current pricing. †Self Cash is offered in the Self app only, bank account connection via Plaid and associated debit card required, not offered in all states. Fees apply for expedited disbursement. Cash advance amounts vary based on eligibility and may change periodically; no guarantee of offer. Average offer $60, as of Q2 2025. ‖Results vary. You may not receive an improved credit score. Not all lenders use scores impacted by rent reporting. Not all bill payments may be eligible. See learn.self.inc/lpg/mpa/rent-bills-landing for details. ¶See https://www.ficoscore.com/education#WhatYour ¹Credit scores only available to customers our 3rd party vendor is able to validate. ²Payments are reported to the bureaus within 72 hours. Payments may take two weeks or more to appear on your credit report. ³Rent payments are reported to Experian, Equifax & TransUnion. Utility & cell phone payments are reported to TransUnion. Self Financial, Inc. PO Box 11, Southlake, TX 76092-9998

Download

Download on App Store

This page is not an official page of the app or its developer, but an independent editorial publication created for informational and commentary purposes. Unless expressly stated otherwise, neither the app nor its developer is affiliated with, endorsed by, sponsored by, authorized by, or otherwise officially connected with MWM, Apple, Google Play, the app publisher, or the app's developer, and nothing on this page implies that the app was developed using MWM's services. Any trademarks, logos, screenshots, and other content remain the property of their respective owners.