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. [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
2. [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
3. [R20] 1/5 · US Fees: They overcharge on late fees.
4. [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.
5. [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 🤦🏿‍♂️
6. [R74] 1/5 · US Bad chat customer service: Unbelievable that they decided what they want with my personal decision instead they do whatever they want now I’m stuck with a lot of fees in and old bank accounts I wanted to remove it they said it will take 24hrs and they still charged me even after I paid minimum payment. I add additional accounts so they can charge me there I programmed auto pay with a different acc
7. [R79] 1/5 · US Not happy: Taking money when I never received my card yet an wanting me to pay for fees that I haven’t even got to use any of the money they stole from me so they need a better solution on what they are doing I gave them my address multiple of times and still haven’t received it. It’s been over a month.
8. [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.
9. [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
10. [R75] 1/5 · US Don’t do it: Don’t put your money into their credit builder, you never get your deposit back and they add it to a credit card
11. [R117] 1/5 · US Hoax: They say send us your money for a secured credit card and then do the old bait and switch. Only if we approve after you have given them over $1100 of your money. They tie you into this so called credit helper and I have not seen any evidence of change from using this.
12. [R161] 3/5 · US Constant Tech Issues: Every couple of weeks you have link your account and other monthly bills. It’s ok, but you constantly have to track your bills yourself. The software needs to be updated. Not worth the monthly fee. Experian seems to have a better platform.
13. [R89] 3/5 · US My Self Review: I was under the impression that self worked in a way to improve my credit at a faster rate/pace than it’s been. Regardless, I have seen an improvement and at the moment I’m simply respecting the process.
14. [R90] 1/5 · US Not good: It’s just lit what I expected for all the money I have to pay
15. [R194] 2/5 · US Don’t default: If you get (even to the very last payment) and cannot make it, they pocket all of your cash and you get nothing. Check the terms and conditions for yourself. I was very early on and didn’t fully understand what I was signing up for. It’s a loan against yourself, but if you fail to pay yourself even once, Self takes everything you have invested, on top of the fees they charge.
16. [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
17. [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
18. [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
19. [R25] 5/5 · US Credit booster: Improved my credit very fast cool app cool credit card
20. [R34] 5/5 · US Best Way Of Building Credit: Had helped my credit score rise within 90 days. Omg I’m so grateful and thankful for this Self Credit
21. [R38] 5/5 · US Best credit builder app ever: Best credit builder by far. Your points go up every month.. pro tip if you get the secured credit card like I’m using make sure you keep it at 20% usage . You can also add your savings to raise your credit limit. Kickoff just reports points you already earned.. plus you build 2yr credit credit history. Easy to make the monthly payments and you get your savings after
22. [R19] 5/5 · US Service: Great features. Easy to use. Helps improve My score
23. [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.
24. [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.
25. [R61] 5/5 · US Great: Best app to save and build your credit
26. [R62] 5/5 · US Trustworthy: I honestly think this is the best financial app I ever used. Yes I know I am putting a lot of money in and can’t use it all. And love how I can’t touch whatever I pay a month towards my savings
27. [R26] 5/5 · US Great program: I just turned 18 last year and since then I have had this app and it is great for building you credit without having to get a spastic credit card from a store.
28. [R72] 5/5 · US Thank you!: My daughter was able to builder her credit soon as she turned 18. She now 19 and has an amazing credit score and purchasing a home!
29. [R3] 5/5 · US Top notch crew: Iv always received the best help when I have questions or there is a problem.
30. [R39] 5/5 · US Thank you: I couldn’t possibly appreciate the help I have received more. You folks are awesome!
31. [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.
32. [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.
33. [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!
34. [R162] 1/5 · US WTF: Helps to build your credit, but there is absolutely no customer service or support, and trying to contact anyone is harder than pulling teeth without lidocaine!
35. [R1] 1/5 · US Not happy: Can’t see my credit score which makes me want to end my contract
36. [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.
37. [R96] 1/5 · US Missed/late payment: If you are late on a payment they will not give you another cash advance just a heads up. Ridiculous i was just few days late.