Build Credit & Savings - Self 4.9.2

Looking to build credit and savings simultaneously? With Self, you'll find the necessary tools to establish credit without any hassle. Regardless of your credit score, Self welcomes everyone.

• Start by opening a Self Credit Builder Account⁴.
• Build a positive payment history, which is vital for credit-building⁶.
• Recover your savings¹.
• No credit required.
• Reports to three major credit bureaus.
• Plans available starting at $25 per month³.
• An easy repayment term of 24 months.
• Includes credit score monitoring (VantageScore 3.0)².
• No hard credit inquiry done.
• Secure your data with 256-bit encryption.
• Your funds are safeguarded in a bank account⁴.

Unlock the secured Self Visa® Credit Card⁵ specifically designed for credit-building purposes. It reports your progress to all three major credit bureaus. Your Credit Builder Account savings serve as collateral and determine your credit limit. Enjoy credit usage monitoring and alerts, and use the card anywhere in the US that accepts Visa.

Build your credit by incorporating rent, cell phone, and utility payments into your credit profile. Connect your bank account securely with Self and make on-time payments as usual. You have the flexibility to cancel anytime.

Elevate your credit score to new heights with Self. On-time payments by their customers have increased credit scores by an average of 30 points⁷. Customers who started with a credit score below 600 experienced an average increase of 49 points*.

Join over 3 million users who have signed up with Self to build their credit.

Access the Self Visa Credit Card by meeting specific criteria: an active, well-maintained Credit Builder Account, three punctual payments, at least $100 in savings progress, and satisfying income requirements. These criteria are subject to change.

¹ Results may vary individually, and fees and interest are deducted. The improvement in your credit score depends on your specific situation and financial behavior. Failure to make monthly minimum payments by the due date can result in delinquent reporting to credit bureaus, negatively impacting your credit score. This product does not remove negative credit history from your report.

² Availability of credit scores depends on successful validation by our third-party vendor.

³ The minimum and maximum repayment period for all loan products is 24 months. The maximum annual percentage rate (APR) for all loans is 15.97%. For example, a $25 monthly loan payment with a $520 loan amount, a $9 administration fee, a 24-month term, and a 15.92% APR would result in total payments of $600. For current pricing, please consult the pricing page on the Self mobile app or www.self.inc.

⁴ All Credit Builder Accounts are issued by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., or SouthState Bank, N.A. Members FDIC. Identification verification, credit review, and approval required. Must be at least 18 years old, a U.S. citizen, permanent resident, or non-resident U.S. alien, and possess a valid bank account.

⁵ The Self Visa Credit Card is issued by Lead Bank or SouthState Bank, N.A., Members FDIC.

⁶ For more information about FICO scores, visit https://www.myfico.com/credit-education/whats-in-your-credit-score. FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries.

⁷ Based on the average outcome for customers who opened a 12-month Credit Builder account in Q1 2021 and consistently made on-time payments, using VantageScore 3.0 as a metric.

* Based on the average outcome for customers who opened a 12-month Credit Builder account in Q1 2021 with an initial VantageScore 3.0 below 600 and maintained on-time payments. Results may vary based on factors such as engagement with other creditors. On-time payments do not guarantee program completion, and past performance does not guarantee future results. An increase in credit score is not guaranteed.