Hi. We're Self. We're here to help you build credit and savings and reach your financial goals.

It all started with some missed payments. CEO James Garvey founded Self in 2015 after making a mistake with automatic payments on his credit card. By the time he caught it, his credit score had tanked. In searching for a way to rebuild his credit, he saw some of the challenges faced by the more than 100 million Americans with low or no credit.

"To get credit, you need to have credit. It's a catch-22, and the system is set up against you," James says. So he created a solution that works regardless of your credit history.

Instead of dwelling on scores, we focus on what you aspire toward. Whether it’s being a Home Builder, a Queen Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.

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3,735 Verified Customer Reviews

3,735 Customer Ratings and Reviews

Shopper Approved collects trusted reviews from customers who have made a verified purchase.

4.7

Overall Star
Rating

5 Shopper Approved - Review Star
3128
(83.7%)
4 Shopper Approved - Review Star
276
(7.4%)
3 Shopper Approved - Review Star
128
(3.4%)
2 Shopper Approved - Review Star
85
(2.3%)
1 Shopper Approved - Review Star
118
(3.2%)

Customer Service
4.2
5 Shopper Approved - Review Star
663
4 Shopper Approved - Review Star
89
3 Shopper Approved - Review Star
56
2 Shopper Approved - Review Star
41
1 Shopper Approved - Review Star
125
SHOW DETAILS

5-star reviews
3,000+

5-star reviews

8 years collecting reviews

About this Company

Hi. We're Self. We're here to help you build credit and savings and reach your financial goals.

It all started with some missed payments. CEO James Garvey founded Self in 2015 after making a mistake with automatic payments on his credit card. By the time he caught it, his credit score had tanked. In searching for a way to rebuild his credit, he saw some of the challenges faced by the more than 100 million Americans with low or no credit.

"To get credit, you need to have credit. It's a catch-22, and the system is set up against you," James says. So he created a solution that works regardless of your credit history.

Instead of dwelling on scores, we focus on what you aspire toward. Whether it’s being a Home Builder, a Queen Builder, a Car Builder, or a Life Builder, Self is here to help you make it possible.

Video Reviews

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S
Shannon
Today , IN

It's been a great experience I've been with self for some years great thing to have.

Why Choose?

Cause I've had it before and it helped my credit.


A
Anonymous Customer
Today

Love it


T
Tommy G.
1 day ago , NC

This app is great but there needs to be a option to carry your kids or spouse as a authorized user of your credit card

Why Choose?

To help build my credit


D
Devon J.
3 days ago , NC

Been nothing but perfect.

Customer Service
5/5

Why Choose?

Overall the reviews I read and the help it's given to so many others. I can personally say it's one of the best.


T
Tina M.
6 days ago , WV

I am liking it so far I just wish they would report more of my account

Why Choose?

To better my credit


R
Rodney
1 week ago , GA

Wonderful

Customer Service
5/5

Why Choose?

Referred


A
Concepcion guillen Hernández
1 week ago

It help get credit

Customer Service
5/5

Why Choose?

To make credit


C
Chad
2 weeks ago , MO

I think Self has given me a new lease on building my credit and teaching me how to use credit responsibly. Most people are not credit card people, myself included, but Self is teaching me how to be a responsible credit card person!

Why Choose?

To help build my credit.


M
MM82
3 weeks ago , AZ

I absolutely love the Self app. I also recommended it to my daughter when she was 18 and she completed the program after the year of saving the money. And that helped her credit score so much and helped her to get a regular unsecured card and was also able to just recently purchased a new vehicle, and it all started with the Self app.and this is the second time I have done this and I absolutely love it. It helped me on the way to fix my credit now for the second time.

Why Choose?

I chose self for the second time now because it’s easy to use and it really did help my credit score last time I used it.


M
Marcie J.
3 weeks ago , CA

N/a

Why Choose?

Looking like it was good idea


E
El H.
3 weeks ago , GA

Everything been great so far

Why Choose?

A friend of mine told me about it.


Q
Quannah
3 weeks ago , NY

feeling better about my credit future

Why Choose?

to help better my credit


V
Vincent R.
3 weeks ago

It's cool

Why Choose?

To build credit


J
Jessie N.
4 weeks ago , TX

Help with too many fees

Customer Service
5/5

Why Choose?

Because of the easy use


C
Christopher
4 weeks ago , CA

Too many notifications.

Why Choose?

My brother suggested it


G
George P.
4 weeks ago , NC

Grape

Why Choose?

I was referred


E
Edward W.
4 weeks ago , CA

I have been trying to close my account for so long now because I don't have the funds to pay for it but you guys make it so hard to reach out to you guys that I haven't been able to. I tried customer support but the AI did not help at all. It redirected me to an agent but there was none available. My experience with this app has been terrible.

Customer Service
1/5

Why Choose?

Because someone recommended it to me.


T
Tom
03/14/2024 , HI

Excellent credit building service, assortment of individual products which are easily accessable, with ease of use, yielding great, timely results with responsible use. I saw great improvement in my Credit Scores within less than 5 full months.

Customer Service
5/5

Why Choose?

I chose Self because of its appealing concept (credit building, savings loan), expandable set of tools (additional secured and unsecured credit card options), and the "soft-pull" initial inquiry feature with both loan and secured card, as to not hurt the customers' credit score.


D
Derick B.
03/12/2024 , OK

I didn't like the questions it asked I want to speak to some one to get know what with the problem iam haveing

Customer Service
1/5

Why Choose?

Help my credit and learn responsibility


D
David S.
03/10/2024 , PA

It's a great system for saving and building

Why Choose?

Friend


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