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2 User Reviews

Self (formerly known as Self Lender) is a Texas-based company that provides a credit builder program in place of a traditional credit repair program. 

The company reports to all three major credit bureaus and provides customers with a user-friendly online dashboard.


The Good

  • Helpful Online Dashboard
  • Competitive Monthly Fee
  • Responsible Credit Building
  • Educational Resources

Helpful Online Dashboard

Self has an online dashboard that customers can access if they want to view their balance, download account documents, see their repayment schedule, and check their credit score.
If customers need to update any personal information that has already been given to the company, they can do so via their account dashboard.
Each customer will have access to the dashboard with a username and password.

Competitive Monthly Fee

Self offers fairly competitive monthly fees for its credit builder program in comparison to other companies in the credit repair industry. 

Customers have a few monthly payment options, with the cheapest option costing $25 per month for 24 months. The other Self Credit Builder account options cost $35 per month for 24 months, $48 per month for 12 months, and $150 per month for 12 months. 

Each option requires a $9 non-refundable administrative fee and offers a post 12 to 24-month cash amount.

Responsible Credit Building

The company’s credit builder loan program involves customers receiving a small, FDIC-insured installment loan. The next month after they receive the loan, they begin making payments to their Credit Builder account.

Self will report these equal payments each month to all three of the major credit bureaus: Experian, Equifax, and TransUnion. Customers have the option to pay off the account or close the account early. 

After the loan is paid off, the customer should have an improved credit score due to the controlled payment history. 
Overall, customers have the opportunity to build credit with the Self responsible Credit Builder program.

Educational Resources

Self offers a few different educational resources on its website that all website visitors can learn from. 
These resources include a personal finance blog and several articles that cover what a Credit Builder loan is, how credit works, how credit scores are calculated, and more. 

The company also provides a frequently asked questions section and is fairly transparent about the services it offers.

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The Bad

  • Short Time in Business
  • Non-Traditional Credit Repair

Short Time in Business

Self has only been in business since 2015 which makes it a younger company in the credit repair industry. 
Most credit repair companies have several, if not more, years of experience with customers in need of credit improvement services.

Non-Traditional Credit Repair

Although Self offers a responsible Credit Builder program, it does not offer any option for traditional credit repair services. 

The company's credit builder program may not be what some customers with bad credit are looking for. 
Most companies in the credit repair industry also do not lock customers into a lengthy contract like Self's Credit Builder program.


The Bottom Line

Self, previously known as Self Lender, offers a user-friendly customer dashboard along with a fairly competitive monthly fee.

The Texas-based company also focuses on helping customers raise their credit scores with a responsible credit builder program and provides customers with helpful online resources that can help them learn more about credit and personal finance. 

Although the company has only been in business for a few years, it may be a good fit if you are looking for a credit builder program.

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Account with Self Lender was easy and quick to set up. Its working as promised and has raised my score within 3 months to a better score. Reports directly to all 3 agencies and bonus: After the agreement is fulfilled, I will have a nice little bit of money saved up. Definitely recommend Self lender to build or start to rebuild your credit score.

1 year ago

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Tyrone Bethley Los Angeles, CA

It's works for me had no issue I'm glad I'm try them out easy program

2 years ago

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