iPhone Screenshots


Self Lender is the simple way to build your credit history while you save.

Finally, a simple and affordable way to help you build credit and save money.
Over 90,000 people have built their credit and saved $70 million using Self Lender. Ideal for anyone who wants to build credit while they save.

So, how does it work? Think of it as a savings plan that builds credit. You choose a plan that meets your budget (starting at $25/month) and the length of the term (12 or 24 months). As you make payments over the term, you're repaying a small loan that is held in a certificate of deposit (“CD”) in your name. Each month, your payments are reported to all three credit bureaus. At the end of the term, you've paid off the loan and your CD unlocks with your money.


With an active credit builder account, your payments are reported to all three credit bureaus.

Check your credit score and get free credit monitoring with real-time credit alerts.

Self Lender does not do a “hard pull” credit check when creating an account. In fact, no credit score is required at all!

All accounts are held with our bank partner and the CD is in your name. Our systems use measures like two-factor authentication, 256-bit encryption, and fraud detection.

- Used by over 90,000+ people to build credit history
- Featured on ABC News
- Featured in USA Today
- Featured in Bloomberg News
- Featured in Newsweek
- Featured in TechCrunch
- Featured in American Banker
- Featured in NerdWallet, CreditCards.com and Credit Karma

When you download and use Self Lender, you agree to the Self Lender Terms of Service at: https://www.selflender.com/terms-of-service

You may review Self Lender’s privacy policy at: https://www.selflender.com/privacy-policy

What’s New

Version 1.5.0

You can now create a new account through the app! We hope you love it!

Ratings and Reviews

4.0 out of 5
148 Ratings
148 Ratings
mommyoffourcrazyboys ,

Credit score up 223 points

This is not a scam, I am a very real person who had very poor credit due to credit cards as a teen. I signed up in oct 2017 and by oct 2018 my credit score has gone up 223 points, and I have not opened any kind of other accounts, or paid any debt. In fact I am about 25,000 in debt (student loans). I just signed up again for another year. This company makes it so much easier than physically having to go to a bank. And
Whoever reviewed and said it takes too long to get your money, clearly doesn’t understand that they are loaning you the money in the form of a CD account which you can’t get back for a year. Hence the monthly payments for a year.

whitnicc ,

Great program but don’t trust referral credits

The concept is great! My credit score has increased and the positive payment history is a plus. I started in June and my score went up 25 points once it reported. The cons with this program is it doesn’t report each month as promised. It’s dec and I haven’t received N update since Oct. Also I referred 3 people to the program which should have given me a total of $30 in credits. I emailed support with the names of the people I referred and they asked me to have the people email them from their email address to confirm; however, all 3 of them used the link. Why should I have to contact everyone I refer? Great program otherwise.

Thickfitchick ,


So establishing credit can be though but this account definitely makes it work the climb. I’m not doing my second account with them and while the 1 time I did call the “csr” was rather short and rude, the results are great and I foresee doing this virtually every year. It’s nice to get that little bonus money after 1 yr. The app does everything I need it to and gives me the info that I need. Honestly if anyone complains about this app or even the company, they are likely incompetent, don’t understand how credit works or just like to complain!


Self Lender, Inc.
18.7 MB

Requires iOS 10.0 or later. Compatible with iPhone, iPad, and iPod touch.



Age Rating
Rated 4+
© 2018 Self Lender, Inc.


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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