Self Financial Inc was founded in 2015 and is based in Austin, TX.

Learn more about Self Financial Inc and its products by browsing the services it offers. You can also read our community reviews and hear what others have to say about their experience with Self Financial Inc.

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<h2>Where does Self do business?</h2>
<p>Self is a financial technology company based in Austin, Texas, which was founded in 2014. Self is not a direct lender. Instead, all Credit Builder Accounts are made by Lead Bank, Member FDIC, Equal Housing Lender, Sunrise Banks, N.A. Member FDIC, Equal Housing Lender or Atlantic Capital Bank, N.A. Member FDIC, Equal Housing Lender.</p>
<h2>What is Self?</h2>
<p>Self is a company that gives people with poor or no credit the chance to improve their credit history. This is done through a set of tools that help consumers rebuild their credit score. The main credit building tool Self uses is the "credit builder loan,” also known as a savings-secured installment loan. This is a special type of loan. In fact, it is more of a savings account packaged as a loan to add positive information to your history. Self also provides consumers with resources that help them monitor their credit score and learn about finance, and get access to exclusive financial products. </p>
<h2>How does a credit builder loan improve your credit?</h2>
<p>Self deposits are reported to the three main credit bureau agencies every month as if they were loan payments.</p>
<h2>How does a credit builder account work?</h2>
<p>First, you apply for a Credit Builder Account. Your money is safe and secure and there is no hard pull on your credit. Then you 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. 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 money, minus fees and interest.</p> 

<h2>What are the interest rates and fees for a Self loan?</h2>
<p>Self charges a one-time, non-refundable administrative fee of $9 and an APR of 15.97%.</p>
<h2>What are the pros and cons of a Self loan?</h2>
<h3>This is what we love about Self:</h3>
<ul>
<li>Flexible payments.</li>
<li>Reports to all three credit bureaus (Experian, Equifax, TransUnion).</li>
<li>Easy access to secured installment loans</li>
<li>Creates positive information for your credit history</li>
<li>You can build your credit while saving money</li>
</ul>
<h3>On the other hand:</h3>
<ul>
<li>You can only access the money when you completely repay the loan. Not a good option for people who need money immediately</li>
<li>You have to pay a fee, albeit a small one.</li>
<li>If you miss a monthly payment it will be reported to the credit bureaus and potentially hurt your credit</li>
</ul>

<p>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.</p>
<h2>What does {{business_name}} do?</h2>
<p>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.</p>
<h2>How can a Credit Builder Account build your credit?</h2>
<p>Your payments are reported to the three main credit bureau agencies every month.</p>
<h2>How does a Credit Builder Account work?</h2>
<p>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.</p> 

<h2>What are the interest rates and fees for a Self Credit Builder Account?</h2>
<p>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.</p>
<h2>What are the pros and cons of a Self Credit Builder Account?</h2>
<h3>This is what we love about Self:</h3>
<ul>
<li>Flexible payments.</li>
<li>Reports to all three credit bureaus (Experian, Equifax, TransUnion).</li>
<li>Helps build positive payment history.</li>
<li>You can build your credit and savings</li>
</ul>
<h3>On the other hand:</h3>
<ul>
<li>You can only access the money when you completely repay the loan. Not a good option for people who need money immediately</li>
<li>If you miss a monthly payment it will be reported to the credit bureaus and potentially hurt your credit</li>
</ul>

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