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Self – Credit Builder & Cash

クレジットスコアを上げるための秘密兵器。このアプリは、ユーザーが貯蓄しながら信用力を築き、急な出費にも対応できる力を与える。

Finance & Crypto ›

主要数値

ダウンロード

7.5M+

ユーザー評価

4.9/5

評価数

286.4K

開発元

Self Lender, Inc.

カテゴリ

Finance

対応言語

テックアナリストによる評価：信用構築と貯蓄促進を目的とした本アプリの包括的機能概要

Self – Credit Builder & Cash" アプリ分析：主要機能とその影響

信用構築口座と貯蓄の併用

ユーザーは毎月の少額支払いを通じて信用履歴を確立し、同時に貯蓄を増やすことができます。信用スコアなしでも利用可能で、平均して47ポイントの信用スコア向上実績があります。

信用調査不要の担保付きクレジットカード

信用調査なしで取得できる担保付きVisa®クレジットカードを提供します。高い承認率で、信用限度額を自身で管理しながら、主要な3つの信用情報機関すべてで信用履歴を構築できます。

家賃支払いの無料信用情報報告

ユーザーは追加費用なしで家賃の支払いを主要な3つの信用情報機関に報告し、信用スコアを向上させることができます。これにより、良好な支払い履歴を簡単に構築します。

少額現金前払い機能

本ツールは、最大100ドルまでの緊急現金前払いを迅速に提供します。信用調査や信用スコアへの影響がなく、隠れた手数料もありません。

公共料金・携帯電話料金の信用情報報告

月額料金を支払うことで、携帯電話、水道、電気、ガスなどの公共料金の支払いをTransUnionに報告し、信用スコアを構築できます。最大5件の支払いを報告可能です。

信用調査不要のサービス提供

アプリの主要な信用構築ツールや現金前払い機能は、事前の信用調査を必要としません。これにより、信用履歴が不足している、または信用スコアが低いユーザーでも安心して利用を開始できます。

信用スコアの追跡

ユーザーはVantageScore 3.0を使用して自身の信用スコアを追跡し、信用構築の進捗状況を把握することができます。

透明性の高い料金体系

本アプリは、現金前払い機能における隠れた手数料や月額料金がないことを明示し、その他のサービスについても詳細な開示を行うことで、ユーザーに明確で透明性の高い料金体系を提供します。

FAQ

よくある質問

について知っておくべきこと 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.

How does Self help me build credit and savings?

Self helps you build credit and savings simultaneously with its Credit Builder Accounts. You make monthly payments, which are reported to credit bureaus, and at the end of the term, you unlock your accumulated savings.

Does Self offer rent payment reporting to build credit?

Yes, Self allows users to report their rent payments at no extra cost. This service builds credit with all three major credit bureaus—Equifax, Experian, and TransUnion—helping to establish a positive payment history.

Does the Self app track my credit score?

The Self app allows users to track their credit score. It specifically uses VantageScore 3.0 for score tracking and provides updates on factors impacting your score.

What is the annual fee for the Self Visa Credit Card?

The annual fee for the Self Visa® Credit Card is $0 for the first year. After the initial year, a $25 annual fee applies.

Does Self report credit activity to all three credit bureaus?

Yes, Self reports credit-building activities, including the secured Self Visa® Credit Card and rent payments, to all three major credit bureaus: Equifax, Experian, and TransUnion.

What types of payments can Self report besides rent?

Beyond rent, Self can report cell phone, water, electricity, and gas payments to TransUnion for credit building. This service, which includes credit monitoring, costs $6.95 per month.

How much does a Self Credit Builder Account cost per month?

Plans for a Self Credit Builder Account start at $25 per month. All loan products have a minimum and maximum repayment period of 24 months.

以下のスクリーンショットと説明は、アプリの公式ストアリスティングから直接取得されたものであり、アプリ開発者の所有物です。

アプリストア

スクリーンショット

説明

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