Is Self Credit Builder Account the right fit for you?

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Last Updated: 08/11/2026

Self Credit Builder Account

Q: What are the pros and cons of a Self Credit Builder Account?

This is what we love about Self: Flexible payments., Reports to all three credit bureaus (Experian, Equifax, TransUnion)., Helps build positive payment history., and You can build your credit and savings On the other hand: You can only access the money when you completely repay the loan. Not a good... Learn More at SuperMoney.com

from Self Financial Inc

Last Updated: 08/11/2026

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Highlights

Monthly Maintenance Fee

$25 - $150(Verified 01/27/2026)

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Initial Processing Fee

N/A

Credit Bureau Reports

Experian
Equifax
TransUnion

Self Credit Builder Account Review

Self is a financial technology company based in Austin, Texas, which was founded in 2015. Self is not a direct lender. Instead, all Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.

What does Self Credit Builder Account do?

Self is a company that gives people with poor or no credit the chance to build their credit history. This is done through a set of tools that help consumers rebuild their credit. The main credit building tool Self uses is also known as a credit builder loan. This is a special type of loan. The Credit Builder Account can help you build credit and savings. Self also provides consumers with resources that help them monitor their credit score and learn about finance, and get access to exclusive financial products.

How can a Credit Builder Account build your credit?

Your payments are reported to the three main credit bureau agencies every month.

How does a Credit Builder Account work?

First, you can choose the payment plan and dollar amount that best fits your budget. Each on-time monthly payment builds credit history and adds to your savings. Your monthly payments are reported to all three credit bureaus. Once you’ve paid off your Credit Builder Account, you can access your funds, minus fees and interest. Your funds are safe and secure and there is no hard pull on your credit.

What are the interest rates and fees for a Self Credit Builder Account?

Self does not charges an administrative fee but you do have to pay interest, which varies depending on which Credit Builder Account you decide to open.

What are the pros and cons of a Self Credit Builder Account?

This is what we love about Self:

Flexible payments.
Reports to all three credit bureaus (Experian, Equifax, TransUnion).
Helps build positive payment history.
You can build your credit and savings

On the other hand:

You can only access the money when you completely repay the loan. Not a good option for people who need money immediately
If you miss a monthly payment it will be reported to the credit bureaus and potentially hurt your credit

Provider Disclosure:

SuperMoney is an affiliate partner of Self and may receive compensation when you click on the links in this article.

Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to credit approval.

$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

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Availability

Available in 50 states and Washington, D.C.

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SuperMoney Net Recommendation Score

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-1000+100

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The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.