A credit-building loan where your payments go into an FDIC-insured savings account. Make fixed monthly payments for 24 months, and every payment is reported to all three credit bureaus.
Unlike a traditional loan, you don't get the money upfront. Instead, the loan amount is deposited into a Certificate of Deposit (CD) held at one of Self's FDIC-insured partner banks. You make fixed monthly payments for 24 months, and each on-time payment is reported to Experian, Equifax, and TransUnion. When the term ends, you get your savings back minus interest and fees.
| 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 |
*Based on a 2025 TransUnion study, customers who opened a 24-month Credit Builder Account and made on-time payments saw an average VantageScore 3.0 increase of 47 points in 12 months. Results vary. A $9 admin fee applies.
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