Self

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R5] 5/5 · US A tremendous help: I definitely had credit anxiety. I didn’t have much of a credit history but Self’s organized guidance and user friendly app really helped me improve my credit score and overall knowledge about how to continue to build better credit. The savings account that helped show credit bureaus on time and early payments while saving money was exactly what I needed and has helped me save m
2. [R6] 5/5 · US Kevin Monroy: Recomiendo!! Ya voy a terminar mi contrato y tengo muy buen puntaje.
3. [R9] 5/5 · US Great credit builder: Great app
4. [R14] 5/5 · US Self: Helping with my credit. Thank God🙏🏾🙏🏾🙏🏾
5. [R30] 5/5 · US The Best: A big help when it comes to improving my credit score. It also helps save a little bit of money.
6. [R41] 5/5 · US Muy buena opción: Estoy feliz de poder incrementar mi score ! Realmente me parece increíble que pueda uno tener un ahorro y sea expuesto y reportado como préstamo ! Muchas gracias !!!
7. [R48] 5/5 · US Great way to improve credit.: I was amazed at how easy it was to create a account and build credit. I would recommend Self for anyone who needs better credit and some good cash at the end of the loan.
8. [R7] 5/5 · US Intentional and useful: Detailed information about how and why it’s gonna work 🔥🔥
9. [R2] 1/5 · US If I could give 0 stars, i WOULD!!!: Rashan from customer service sucks. He didn’t help at all and doesn’t understand his own company. A complete scam, never get involved with these losers.
10. [R29] 2/5 · US Lost card: Been trying for months to get a new card, customer service is non existent! If you lose a card your self account is done, just give up and close it asap!
11. [R52] 1/5 · US Replacement card: You think it would be easy to do. Maybe a link in the app. Fill out the form, bada boom bada…no. You have to jump through hoops. I’m frustrated and don’t want to talk to anyone yet they want to force me to. So then I have to be rude because I’m being held against my will. I loved this company. Until today.
12. [R63] 1/5 · US TOTAL SCAM!: I have been working with this app for three years now doing their loan thing to make my credit better and nothing has happened to my credit. Get there more than happy to take my money. I also decided to try their credit card and their customer service is so bad with the credit card. They have no idea what they’re doing. They don’t do anything with fraudulent charges. They just leave t
13. [R4] 1/5 · US The worst app: The company isn’t horrible. Inflated credit scores are super unhelpful…like a 30-40 point difference on avg from what they say it is and what the credit bureau says it is. That just leads to frustration when applying for things that you “qualify” for, only to find out you’re way off. Support is almost nonexistent but that’s every company that uses these wildly annoying AI chat bots.
14. [R45] 3/5 · US Failure to take money when you pay: The only bad thing about this app is THEY TAKE THEY PAYMENTS out of your account literally a whole 5 days to a week after you submit the payment. Sometimes I think the money is processed and it’s not and I get a failed payment fee EVERY MONTH 🤦🏿‍♂️
15. [R42] 1/5 · US Credit card payment: I paid off my Self secured credit with a debit card and it takes over 3+ business days to process. Every other credit card company is instantaneous.
16. [R183] 1/5 · US Used for three months: It offers rent reporting but only for one month, continuously disconnects, or “loses track” of my rent payment. Will take fees out of your savings balance. If you have to replace your card UPDATE bc they’ll continuously charge failed payment fees!! Charged two monthly payments at once. Customer service chat was difficult.
17. [R70] 3/5 · US Lower credit: Another app has me 9 points higher and more opportunities for big jumps im scores.
18. [R187] 2/5 · US Not impressed: Haven’t noticed any significant changes in my credit score. The score that is displayed on Self is like 20 points lower than other credit monitoring app. Basically an app you pay to save save money.
19. [R8] 3/5 · US Keep looking: They are great for building credit. They will harass you to get their overly high interest rate credit card. You get raped to use your own money. The cash advance is nice, however, don’t get used to being able to borrow the same amount. You can have the same pay every month, the same bills every month, and the same spending every month. They will still lower the amount that you can b
20. [R12] 4/5 · US Pretty cool app, credit card/ late fees should be decreased though: Can help build credit but can become expensive for someone that doesn’t have consistent income to make payments on time. If it’s tailored to people rebuilding, there’s a good chance finances aren’t consistent yet so you shouldn’t be punished so severely. and if it’s tailored for new to credit people, there are cheaper and better a
21. [R20] 1/5 · US Fees: They overcharge on late fees.
22. [R57] 1/5 · US Not helpful: It charges a fee of 20$ or greater, I thought is to help you not to keep you more in debt.
23. [R1] 1/5 · US Not happy: Can’t see my credit score which makes me want to end my contract
24. [R10] 2/5 · US Credit Score?: There seems to be a glitch in the platform and I cannot access my credit score as mentioned.
25. [R15] 1/5 · US Self -Credit Builder: This does not allow me to add payment .. and it is so fustrating
26. [R35] 1/5 · US DOESNT WORK: Complete waste of time. DOESNT EVEN CONNECR YOUR BANK THRU PLAID. JUST KEEOS ASKING ME TO LIGIN WHEN I ALREADY HAVE AT LEAST 5 times
27. [R23] 1/5 · US Scam: They ruined my credit
28. [R24] 1/5 · US Worst ever: They destroyed my credit and they’re disgusting people
29. [R65] 1/5 · US Do not report the four months of payments on time: This is my second time with them. They do not report the whole months that you’re paying on time with them accurately.
30. [R97] 1/5 · US Beware! Do not use this company!: This is the most ridiculous business I’ve ever dealt with. They will go out of their way to report negatively and give no opportunity to repair the issue except for opening yet another fake loan with them. Horrible customer service and honestly feels like a scam in my opinion.
31. [R21] 1/5 · US Scam: They will eventually (probably never) get sued. The credit builder charges you interest for a loan that you pay… I still have not gotten back my secured card deposit… someone reading this should class action Im super in
32. [R56] 5/5 · US Money for credit card: So the app offered my a $100 credit card with a $100 refundable deposit.It’s suggested if I did not have $100 at one time that I can break it into payments and go ahead and get the card that way. However, I’ve made over five payments and I’m still not even at $100 towards my card. the amount of money it is charging me to build My credit is kind of excessive. I have seen an i
33. [R40] 1/5 · US Notifications never stop: They try to get me to sign up for stuff I’ve already used or am currently using. Multiple notifications a day after turning notifications off. It’s junk mail.
34. [R80] 1/5 · US Fraud: Self doesn’t stop sending emails about pouring in more of your own personal money so they can use it and lend it at a higher interest rate. They think I’m stupid and continue to send advertisements. I don’t want them as my bank. I don’t want to spend more money and mask it as “credit increase”
35. [R54] 1/5 · US Not as expected: I paid off my loan. I made every payment on time. Now, that it’s time for me to collect my money, THEY are not on time! My account closed on the 28th. It states on the site that money is sent to the bank account on file in 5-7 days. However, It’s not there because it’s “under review” Then they offer to give you the money faster if you pay a fee! I’ve already paid a substantial amo
36. [R86] 1/5 · US Not worth it: Once your payout is complete they will take their time and fail to send your money and keep saying it failed even though it worked to make payments for two years. Would not recommend the headache