Build credit while you save.*

Build credit with all 3 credit bureaus.

No credit score required.*

Save money while you build.

“I recommend anyone looking to rebuild their credit to open a self lender account. Self lender is the best way to rebuild credit. I guarantee you, you won't be disappointed. My credit score has increased exponentially. Thank you!!”

Manny
June 7, 2018

“Self Lender has been a fabulous service for me, as I have started building my credit history. I jumped 30 points over the period of my account, and I just got my savings I built deposited into my bank account! I've already signed up for second account, because it's guaranteed saving that boosts your credit score! Thank you for making it easier for millennials without established history to become more creditworthy!”

Evan N
June 6, 2018

Frequently asked questions.

Everyone’s score will react to a credit builder account differently. We have thousands of testimonials about how Self Lender has helped people build credit. Actual credit score improvements are not guaranteed.1

Here’s more information on how credit scores are calculated to help explain how Self Lender can help you build credit.

Secured credit cards require that you put money down in order to open your line of credit with the bank. This deposit typically ranges from $200 - $500, which can be out of reach for some consumers.

With a credit builder account, our bank partner places the funds from your loan into a Certificate of Deposit, “CD”, held at an FDIC-insured bank in your name. The CD remains locked for the term of your loan and earns interest. Additionally, unlike some secured credit cards, a credit builder account has a fixed term with fixed monthly payments. This can help you budget, plan, and build credit while you save.

A credit builder is almost like a savings plan that builds credit — after your loan term is complete you've established credit history by making on-time monthly payments and you have built savings.

No. With traditional loans, you receive the loan funds up front. The credit builder account is almost like a savings plan that builds credit. Your funds are placed into a Certificate of Deposit, “CD”, held at an FDIC-insured bank in your name. The CD remains locked for the term of your loan and earns interest. After you complete on-time monthly payments you get full access to the CD funds at the end of the loan term, rather than at the beginning.

No. You can create a Self Lender membership and apply for a credit builder account without paying an administrative fee. You only pay a fee if you choose to accept the credit builder loan. For account pricing information, visit this page.

You’ll receive your Certificate of Deposit, “CD”, funds at the end of your loan term, if you have successfully completed your monthly payments.

Yes! The credit builder account is reported to all three credit bureaus (Experian, Equifax, and TransUnion). Customers typically see their first Credit Builder Account payment reported to the bureaus within 30-60 days from their first payment.

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