Build credit history & save money.

No credit? Need to build credit? No problem.

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How it works

Build credit while saving money, starting at $25* a month.

how it works step 1
Apply for a Credit Builder Account.

Your money is safe and secure.

how it works step 2
Pay off your Credit Builder Account in the specified amount of time.

You can choose the payment term and dollar amount that best fits your budget.

how it works step 3
Each monthly payment builds credit history and adds to your savings.

Your monthly payments are reported to all three credit bureaus.

how it works step 4
Unlock your savings.

Once you’ve paid off your Credit Builder Account, your CD unlocks and the money is yours.

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Payment history makes up 35% of your credit score

Self Lender can help. By opening a Credit Builder Account and making your monthly payments on time, you can build positive payment history.

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Trusted Security

We use 256-bit AES encryption and are a SOC 1 type 2 compliant organization.

Real people, real results

Over 250,000 people have signed up to build credit with Self Lender.
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Overall satisfaction rating based on 1030 ratings from actual customers.

"This really works...and pretty quick, too!! Score jumped 118 points in 4 months."

Cynthia C

"Love love love this program and this app! In eight months my credit went up a hundred and nine points. Super happy and can't wait to renew once the first year is up."

Debbie G

"I recently moved to the states and had no established credit. Using this service along with two prepaid credit cards, my score went from 4 - 710 in 9 months."

Neil M

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Benefits of a Credit Builder Account

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Alternative to a secured credit card.

We don’t require an upfront deposit like most secured credit cards.

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Convenient and available in all 50 states.

Unlike most credit unions, Self Lender is available online and via our mobile app.

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Build Payment History & Credit.

Self Lender helps you establish payment history, which is key to building credit.

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Take control of your credit today.

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