Your Self Cash Advance toolkit.
Get $25 to $300 with no interest, no credit check, and no hidden fees. Start the path to financial freedom.
Get $25 to $300 with no interest, no credit check, and no hidden fees. Start the path to financial freedom.
See a 47 point average lift in your credit score with a Credit Builder Account.
Increase your spending power with Self secured Credit Card. No credit check, high approval rates, fast application!
Report on time rent to all 3 bureaus, so you build credit while living life.
Build savings and credit with Self's Credit Builder Account — plus, lift up your credit by reporting rent and bills.
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Self's secured and unsecured credit cards help you easily build credit. Reports to all 3 credit bureaus, apply in minutes!
Learn moreStay in control! Self Cash helps with unexpected expenses without hurting your credit goals.
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No paperwork, no long wait times, and no credit check. Here's how it works from start to finish.
Get Self free from the Apple App Store or Google Play. Create your account in under two minutes.
Link your bank account securely through Plaid and connect a debit card for funding and repayment.
Apply for Self Cash in the app. No existing products needed. Get personalized offers within five minutes.
Select from $25 to $300 based on your eligibility. Amounts are tailored to your financial profile.
Choose free ACH delivery (1–3 days) or instant debit card delivery for a small fee of $3 to $6.
Repayment is automatically withdrawn from your linked debit card on your due date, matched to payday.
Transparency matters. Most fees are zero.
| Fee Type | Amount | Details |
|---|---|---|
| Interest Rate | $0 — 0% APR | Repay exactly what you borrowed |
| Late Payment Fee | $0 | No penalties |
| Subscription | $0 | No monthly subscription required |
| Credit Check | None | No hard or soft inquiry |
| Standard Delivery (ACH) | Free | 1–3 business days |
| Instant Delivery (Debit) | $3 – $6 | Same-day funding |
| Credit Score Impact | None | Not reported to bureaus |
Compared to credit card cash advances (3–5% fee + ~24.47% APR) and payday loans (APRs exceeding 400%), Self Cash is significantly more affordable.
No minimum credit score. No hard credit checks.
24-month plans reported to all three bureaus monthly.
| Plan | Monthly | Term | APR | Total Paid | Returned |
|---|---|---|---|---|---|
| Small Builder | $25/mo | 24 mo | 15.92% | $600 | ~$520 |
| Medium Builder | $35/mo | 24 mo | 15.69% | $840 | ~$724 |
| Large Builder | $48/mo | 24 mo | 15.51% | $1,152 | ~$530 |
| Extra Large | $150/mo | 24 mo | 15.82% | $3,600 | ~$1,663 |
*2025 TransUnion study: average 47-point VantageScore increase in 12 months. Results vary. $9 admin fee applies.
| Feature | Self Cash | Credit Builder | Secured Visa | Self Plus | Rent Reporting |
|---|---|---|---|---|---|
| Type | Cash Advance | Installment Loan | Secured Card | Unsecured Card | Reporting |
| Amount | $25–$300 | $520–$1,663 | $100+ | $200+ | N/A |
| Credit Check | None | Soft pull | None | Hard pull | None |
| APR | 0% | 15.51–15.92% | 27.49% | 30.99% | N/A |
| Fees | $0–$6 | $9 admin | $0→$25/yr | $35/yr | Free–$6.95/mo |
| Bureau Reports | None | All 3 | All 3 | All 3 | Rent:3 Bills:1 |
| States | 26 | All 50 | All 50 | All 50 | All 50 |
No subscription and a full credit-building ecosystem set Self apart.
| Feature | Self Cash | EarnIn | Dave | Brigit | MoneyLion | Tilt |
|---|---|---|---|---|---|---|
| Max Advance | $300 | $300/day | $500 | $250 | $500 | $400 |
| Subscription | None | None | $1–$5/mo | $9.99/mo | None | $8/mo |
| Interest | 0% | 0% | 0% | 0% | 0% | 0% |
| Credit Building | Full Suite | No | Limited | Limited | Yes | No |
From emergency cash to financial freedom — step by step.
Get a cash advance or open a Credit Builder Account. No credit check required.
Make on-time payments. Use Secured Visa responsibly. Report rent and bills.
After 6 months, qualify for the unsecured Self Plus card — no deposit needed.
Better rates, premium cards, easier approvals, lower insurance premiums.
Self has helped improve my credit a lot and has taught me so much about financial literacy. It's a growing and learning experience, I appreciate this app so much!
— Bry, Self Customer