Self Financial is a credit-building platform dedicated to increasing economic inclusion and financial resilience through accessible, easy-to-use financial products — including Self Cash Advance, Credit Builder Accounts, secured and unsecured credit cards, and rent reporting.
We believe everyone deserves the tools to build a stronger financial future — regardless of where they're starting from. That's why every Self product is designed with no hard credit check required to get started.
No minimum credit score or hard credit check on most products — everyone gets a fair starting point.
Clear fees, honest APRs, and no hidden charges across every product we offer.
An average 47-point VantageScore increase for customers who complete a 24-month Credit Builder Account.*
Self Financial started with a simple idea: credit-building tools shouldn't require good credit to begin with.
Launched in Austin, Texas with the Credit Builder Account — a way to build credit and savings at the same time.
Expanded beyond Credit Builder Accounts to a full suite of credit-building products.
Introduced a secured credit card with one of the lowest minimum deposits in the industry.
Added Self Cash for short-term funding needs and free rent & bill reporting to help customers build credit from payments they already make.
The secured Self Visa Card became available to new customers directly, with no existing Self product required.
Self has helped more than a million people nationwide take a step toward financial resilience.
Self Financial, Inc. is not a bank. Credit Builder Accounts, Certificates of Deposit, and credit cards are issued by our FDIC-insured partner banks.
Credit Builder Accounts, Secured Visa, and Self Plus Card
Member FDICCredit Builder Accounts and Certificates of Deposit
Member FDICCredit Builder Accounts and Secured Visa Card
Member FDIC